Documents required for processing Death Claim:
1. Original Premium Receipt Book
2. Original Policy Document
3. Death Certificate
4. LI-9 (b) (Claim application)
5. Medical certificate if the cause of death is other than Accident / Suicide/ Murder.
6. FIR & Postmortem Report in case of Suicide/Accident/Murder.
7. Claimant statement
Procedure to be followed while processing Death Claim cases
On receipt of claim application, the eligibility has to be checked along with the
remission period. The Remission period is given below:
Death occurred (from date of Remission period
acceptance of the policy)
Within six months Grace period (30 days)
6 – 12 months 30 days + Grace period
12 – 24 months 60 days + Grace period
24 – 36 months 90 days + Grace period
More than 36 months 11 + 1 defaults
Policy lapsed but having more Eligible for auto paid up value.
than 36 credits.
1. If the death occurred within the remission period then the case is eligible.
2. If the nominee of the policy is minor then the guardian has to claim the amount.
3. If the nominee is also deceased then legal heirs has to claim the amount by
submitting the legal heirship certificate (in which the claim value (Sum
assured + Bonus) does not exceed Rs. 100000/-). For the policies
exceeding claim value Rs. 100000/- Succession certificate has to be obtained
from the legal heirs for settlement of claim.
4. Eligible claim cases should be forwarded to Sub Divisional Head concerned for
conducting detailed enquiry. (Points to be covered in detailed enquiry report is
enclosed)
5. The CPC Manager after satisfying himself as the case is genuine may issue Death
claim sanction. (Limits for settlement of Death Claim as stated in Amendments)
Detailed enquiry report should contain the following points:
Check whether exact cause of death, place of death has been mentioned. If
the cause of death is any prolonged disease like Kidney failure, Liver failure, HIV
+ve then discreet enquiry has to be conducted to ascertain whether the late
insurant had the disease before taking policy.
In case of sudden death, the death certificate and report of the doctor who
had last attended the insurant must be submitted by the claimant or legal heir.
Reasons for not taking the insurant to the doctor in case of death due to some
disease should be enquired in detail and the result should be recorded.
Enquiry should be made with the neighbours, relatives, bigwigs regarding
the cause of death, general health condition of the late insurant and health
condition at the time of taking policy.
Particulars of other policies held by the insurant and the outcome of their
settlement.
Enquiry should be made with nearest GH/PHC whether the late insurant had taken
treatment for any serious illness for the past three years.
Enquiry should be made with local police station to ascertain that the late insurant
had not committed suicide or been murdered.
Whether any bad life was insured and there is any suppression of fact at the time
of taking policy.
Specific recommendation of Sub Divisional Head.
In case of Murder it should be enquired and eliminate that whether “The
Claimant/Legal Heirs were involved in the murder”.
If death occurred at other jurisdiction then the genuineness of the death
should be got verified from the Division concerned.
