Life insurance ek aisi financial shield hai jo aapke family ko mushkil waqt me financial protection deti hai. Jab household ka breadwinner nahi rehta, tab life insurance ka claim hi family ko financially stable rakhta hai. Lekin problem tab hoti hai jab log claim file karne ka sahi process nahi jaante. Iss wajah se claim delay ho jata hai, documents wapas aa jaate hain, ya kabhi-kabhi claim reject bhi ho jata hai.
Isi liye, aaj ke iss blog me hum baat karenge:
Life insurance claim kya hota hai
Claim kitne types ka hota hai
Claim file karne ke exact steps kaun se hote hain
Documents kaise ready karein
Claim delay/rejection avoid karne ke tips
Aur last me, ek important call to action
Chaliye shuru karte hain…
Life Insurance Claim Kya Hota Hai?
Life insurance claim wo process hai jisme nominee ya family member insurance company se policy amount receive karte hain.
Ye claim do tarah ka hota hai:
1. Death Claim
Jab insured person ki death ho jaaye, to nominee company se claim request karta hai.
2. Maturity Claim
Jab policy ka term complete ho jaata hai, aur insured zinda hai, to company maturity amount release karti hai.
Iss blog me hum death claim ki complete step-by-step process samjhenge.
Life Insurance Claim File Karne Ke Essential Steps
Step 1: Insurance Company Ko Intimate Karna (Claim Intimation)
Jab bhi insured ki death hoti hai, sabse pehla step hota hai company ko inform karna.
✔ Ye intimation aap 24–48 hours ke andar karna zaruri hota hai.
✔ Aap agent ko, branch office ko, ya customer care ko inform kar sakte hain.
Aapko yeh details deni hoti hain:
Policy number
Insured ka naam
Date & place of death
Death ka reason (natural, accidental, illness)
Nominee ka naam & contact details
Early intimation = fast claim settlement.
Step 2: Claim Form Fill Karna
Insurance company apko Claim Intimation ke baad Claim Form provide karti hai.
Ye generally do parts me hota hai:
Part A – Claimant’s Statement (Nominee Fills This)
Isme nominee ko apne details fill karne hote hain:
Name, address, contact
Relationship with insured
Policy details
Bank account details (NEFT)
Death details
Part B – Certificate by Hospital / Doctor
Agar death hospital me hui ho to treating doctor ye form fill karta hai.
Step 3: Required Documents Collect Karna
Documents life insurance claim ka backbone hote hain. Agar documents incomplete hue to claim delay ho sakta hai.
Common Documents Required
1. Death Certificate (Mandatory)
Government-authorized death certificate.
2. Policy Document (Original)
Policy bond company ko return karna padta hai.
3. ID & Address Proof of Nominee
Aadhaar / PAN / Voter ID / Driving License.
4. Bank Account Proof
Cancelled cheque / Passbook copy.
5. Claim Form (Properly Filled)
Additional Documents (Situation-Based)
If Death is Natural
Doctor certificate
Treatment papers (if hospitalized)
If Death is Accidental
FIR copy
Postmortem report
Police investigation report
Panchnama
If Death is due to Critical Illness
All medical records
Hospital bills
Diagnostic reports
Tip:
Documents ko neatly arrange karein ताकि verification fast ho सके.
Step 4: Documents Submit Karna (Branch Visit or Online)
Aap documents ko:
✔ Nearest branch me deposit kar sakte hain
✔ Courier kar sakte hain
✔ Kuch companies online upload ka option bhi deti hain
Submission ke baad company aapko Acknowledgement Receipt deti hai — ise sambhal kar rakhein.
Step 5: Claim Verification Process
Jab documents submit ho jaate hain to insurer verification start karta hai.
Verification steps:
Death certificate verify
Hospital/medical records verify
Police documents verify (accidental cases)
Nominee relation check
Agar koi information missing ho to company aapse additional documents demand kar sakti hai.
Step 6: Claim Decision – Approval or Rejection
IRDAI ke rules ke hisab se insurance company ko maximum 30 days ke andar decision dena hota hai.
If the Claim is Approved
Company nominee ke bank account me NEFT kar deti hai.
If Further Investigation Needed
Accidental/early death / suspicious cases me 90 days tak investigation ho sakti hai.
If Claim Rejected
Company written explanation deti hai — nominee IRDAI ya insurance ombudsman me complaint file kar sakta hai.
Life Insurance Claim Reject Hone Ke Common Reasons
✔ Wrong information during proposal form
✔ Non-disclosure of illness
✔ Policy lapse due to unpaid premium
✔ Incorrect nominee details
✔ Fraud or misleading documents
✔ Suicide clause (first 12 months)
Aapka adviser agar policy sahi tarah fill karaye to claim reject hone ka risk bahut kam ho jaata hai.
Claim Process Ko Smooth Banane Ke 7 Important Tips
1. Proposal form hamesha accurate fill karayein
Health issues hide na karein.
2. Nominee name properly mention karein
Agar nominee nahi hoga to claim bahut delay hota hai.
3. Premium time par pay karein
Lapsed policy par claim reject ho jata hai.
4. Sab medical documents preserve karein
Especially critical illness cases me.
5. Insurance policy documents ek folder me rakhein
Family ko location pata honi chahiye.
6. Death ke baad turant intimation karein
Delay se suspicion create hota hai.
7. Ek professional insurance advisor se guidance lein
Right advisor → fast & tension-free claim process.
Conclusion
Life insurance claim file karna ek simple process hai, bas sahi steps follow karne honge:
Company ko intimation
Claim form fill karna
Required documents assemble karna
Branch me submit karna
Verification
Payout receive karna
Agar process properly follow kiya jaye to claim fast, smooth and hassle-free settle hota hai. Life insurance ka main purpose hi hai ki mushkil waqt me family financially strong rahe — isliye claim filing procedure ko samajhna bahut zaruri hai.
📞 Call to Action (CTA)
Agar aap chaahte hain ki:
✔ Aapki policy ka claim kabhi reject na ho
✔ Claim filing process 100% smooth ho
✔ Sahi documents aur procedure follow ho
✔ Family ke liye strong financial protection ho
To aaj hi mujhse contact karein.
📲 Ajay Jain – Your Trusted Insurance Advisor (15+ Years Experience)
☎ WhatsApp: 8949846892, 9828418672, Mail id ajay96890@gmail.com
🌐 Life | Health | Term | Retirement | Child Plans Expert
“Sahi guidance se har claim timely settle hota hai.”
Aaj hi apni insurance policy ka free review karwayein!
