securing a hassle free insurance claim

10
Securing a hassle free Insurance Claim

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Post on 06-May-2015

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Simple tips that will enable you to receive the policy benefits.

TRANSCRIPT

Page 1: Securing a hassle free Insurance claim

Securing a hassle free

Insurance Claim

Page 2: Securing a hassle free Insurance claim

For many, premiums payable on an insurance policy that does not have

any savings component (i.e. when no benefits accrue on maturity) may

seem an unnecessary expense

However, many a times it is the only antidote against the uncertainties of

life since it provides immediate financial help

Indicated below are simple tips that will enable you to receive the policy

benefits, on maturity or

death, from your insurance

company, in a hassle-free

manner…

Page 3: Securing a hassle free Insurance claim

Steps to be Followed

Page 4: Securing a hassle free Insurance claim

Ensure a Hassel Free Claims Process

Page 5: Securing a hassle free Insurance claim

In case of no previous knowledge of filing a claim, take the help of the insurance agent

from who the policy was purchased before filing the claim form(s). Alternately, contact

your insurer directly.

File the insurance claim within the time period specified in the policy document. Any delay

may result in the rejection of the claim.

In case of the unfortunate death of the life insured, certain original/certified copies should

mandatorily be enclosed with the claim form. These include - Original policy bond Original/certified copy of the death certificate issued by the municipal authorities Doctor’s certificate who attended the life insured at his/her last moment Other medical/hospitalization records Burial/Cremation certificate issued by the funeral authorities In case of death due to unnatural causes, duly certified police, postmortem and inquest reports Identity proof of the beneficiary

Page 6: Securing a hassle free Insurance claim

Insurance protection is available only when the premium is paid regularly. Hence, ensure regular

premium payment, which is the most essential condition for the settlement of the claim in your

favor.

Ensure that only factual information is provided. Any wrong or ambiguous information may lead to

a rejection.

For claiming rider benefits such as an accident or critical illness benefit, you need to submit

admission records to the healthcare facility, subsequent test reports, medical reports and a

discharge summary.

Co-operate positively with the life insurance company which would like to investigate the claim

before sanctioning the amount. This will ensure a speedy disposal of your case.

Remember!

Lodging your claim within the correct time period and supporting it with all required

information and documents will ensure the claim is settled promptly.

Page 7: Securing a hassle free Insurance claim

Grievance Redressal

Page 8: Securing a hassle free Insurance claim

If you have any grievance with regards to the

amount claimed/ settled, you can approach the

Insurance Ombudsman

The Insurance Ombudsman is a governing body

set up by the government for the quick disposal of

the grievances of the insured and to reduce their

problems involved in redressal of those grievances

Page 9: Securing a hassle free Insurance claim

Disclaimer

Insurance is the subject matter of the

solicitation. Read the product brochure

carefully before buying the plan.

Registered and Corporate Office

Address: IndiaFirst Life Insurance

Company Ltd., 301, ‘B’ Wing, The

Qube, Infinity Park, Dindoshi-Flimcity

Road, Malad (E), Mumbai - 400097.

Website: indiafirstlife.com. Registration

No: 143. Toll Free No. 1800 209 8700.

SMS <FIRST> to 5667735, SMS

charges apply.

Page 10: Securing a hassle free Insurance claim

Thank You