Term Insurance Claim Process Kaise Hota Hai? — Ek Practical, Simple aur Awareness-Building Guide
Term insurance ek aisi financial shield hoti hai jo family ko life ki toughest situation me bhi financially stable rakhti hai. Lekin jab tak aapko claim filing ka process clear nahi hoga, tab tak insurance lene ka pura benefit family tak nahin pahunch paata. Kai baar log policy to le lete hain, par claim time par confusion, documents ki kami, delay aur process ki understanding na hone ki wajah se claim rejection ka risk badh jata hai.
Isliye aaj hum detail me samjhenge —
Term Insurance Claim Process Kaise Hota Hai? Kaun kaun se documents chahiye hote hain? Kin mistakes se bachna zaroori hai? Aur kaise aap apni family ko hassle-free, fast aur tension-free claim process ke liye tayyar kar sakte hain?
Chaliye step-by-step shuru karte hain.
⭐ Term Insurance Claim Kya Hota Hai? (Simple Explanation)
Jab insured person ki death ho jati hai, tab unke nominee ko term plan ka claim milta hai.
Ye claim ek lump sum amount hota hai jo nominee ko financially secure rakhta hai — chahe wo ghar ka kharcha ho, loan ho, bacchon ki fees ho ya future ka financial planning.
Term insurance ka asli purpose tabhi complete hota hai,
jab claim smoothly, time se aur bina kisi trouble ke mil jaye.
⭐ Term Insurance Claim Process – Step-by-Step Guide
Claim process 4 simple steps me complete hota hai. Agar aap ye steps samajh lenge, to aapki family kabhi bhi claim filing me confused nahi hogi.
1️⃣ Step 1 – Claim Intimation (Company ko Inform Karna)
Death hone ke baad sabse pehla step hota hai insurance company ko inform karna.
Kaise intimation kar sakte hain?
✔ Call karke
✔ Email karke
✔ Company website ya portal par request raise karke
✔ Insurance advisor ke through
Aapko yeh details batani hoti hain:
Policy number
Insured person ka naam
Date of death
Death ka cause
Nominee ki details
Contact information
Important Tip:
Jitni jaldi claim intimation hota hai, utna hi quick settlement hota hai.
2️⃣ Step 2 – Documents Submit Karna
Claim intimation ke baad company nominee se kuch essential documents maangti hai.
Mandatory documents:
Claim form (filled by nominee)
Death certificate (government-issued)
Policy document (original)
Nominee ka ID proof
Nominee ka address proof
Bank passbook/cheque copy
Death nature ke hisaab se extra documents:
✔ Natural death ke case me:
Treating doctor’s certificate
Medical reports
✔ Accidental death ke case me:
FIR copy
Post-mortem report
Police investigation documents
Hospital record (if any)
✔ Hospital death ke case me:
Admission records
Hospital summary
Insurance company documents ko check karti hai, verify karti hai aur phir next process me move karti hai.
3️⃣ Step 3 – Verification Process
Documents submit hone ke baad company apni internal investigation karti hai:
Verification me kya hota hai?
✔ Medical history verify hoti hai
✔ Hospital records check hote hain
✔ Policy premiums updated the ya nahi check hota hai
✔ Koi fraud, misrepresentation ya concealment nahi tha — isse verify kia jata hai
Agar case simple hai (natural death + correct documents), to investigation instantly complete ho jati hai.
Agar accidental death ya early claim hai (policy start ke 2 saal ke andar), to company thodi detailed inquiry karti hai.
4️⃣ Step 4 – Claim Settlement / Payout
Agar sab kuch theek hai aur proof complete hai, to company nominee ke bank account me payout kar deti hai.
IRDAI ke rules ke hisaab se:
Simple cases me 30 days ke andar claim settle hona chahiye.
Agar investigation required hai, to 90 days me process complete ho jati hai.
Nominee ko pura amount bank account me credited mil jata hai.
⭐ Term Insurance Claim Rejection — Kaise Hota Hai Aur Kaise Bacha Jaye?
Sabse bada darr har insured person ko hota hai – “Kahin mera claim reject to nahi ho jayega?”
Main reasons jisse claim reject ho sakta hai:
🚫 1. Health information hide karna
Jaise diabetes, BP, heart problem batana bhool jaana.
🚫 2. Smoking/Drinking habits hide karna
🚫 3. Premium lapse ho jana
Ek bhi premium miss? Claim danger me pad sakta hai.
🚫 4. Wrong details fill karna
Form me galat DOB, spelling mistake, income details गलत hone se issues ho sakte hain.
🚫 5. Nominee details sahi na hona
Nominee update na karne se legal complications ban jate hain.
🚫 6. Fraud, ya, intentionally false information
Aap in sab se easily bach sakte hain, agar policy buy time pe:
✔ Sab information honest tarike se de
✔ Doctor reports sahi mention karein
✔ Premium time par pay karein
✔ Nominee details update rakhein
⭐ Nominee Ko Claim Process Ke Baare Me Batana Kyu Zaroori Hai?
Bohot saare cases me family ko pata bhi nahi hota ki policy exist karti hai ya claim kaise hota hai.
Isse claim delay, frustration aur kabhi-kabhi financial burden bhi aa jata hai.
Nominee ko bataiye:
✔ Policy kaha rakhi hai
✔ Policy number kya hai
✔ Insurance advisor ka contact
✔ Claim filing ka complete process
✔ Documents kaha milenge
Term insurance lene se zyada zaroori hota hai, nominee ko educated rakhna.
⭐ Fast Claim Settlement Ke 10 Golden Tips
Proposal form hamesha sahi fill karein
Health issues kabhi conceal na karein
Smoking/drinking truthfully mention karein
Premium due date kabhi miss na karein
Nominee details updated rakhein
Documents safe file me rakhe
Company ko claim jaldi intimate karein
Accident case me FIR zaroor karayein
Hospital records properly collect karein
Trusted insurance advisor ka guidance lein
Agar aap ye 10 steps follow karte hain, to 99% chances hai claim reject nahi hoga.
⭐ Why the Term Insurance Claim Process Should Be Easy For Your Family?
Term insurance ek emotional product hai.
Policy lene wala chala jata hai, par apne parivaar ko financially secure kar jata hai.
Agar us time par family ko claim process me struggle karna pade,
to insurance ka purpose fail ho jata hai.
Isliye:
✔ Claim process smooth ho
✔ Documents ready ho
✔ Nominee educated ho
✔ Advisor guidance ho
Ye sab hona bahut important hai.
⭐ Conclusion: Term Insurance Ka Mool Mantra — Claim Process Samajhna Zaroori Hai
Term plan secure karta hai —
aapki family ka future, unki dreams, unki stability aur unka life ka comfort.
Lekin ye tabhi possible hai jab:
Policy proposal form sahi ho
Nominee details clear ho
Premiums updated ho
Documents well maintained ho
Claim process samjha ho
Aapka ek right decision, aapke family ko mushkil waqt me sahara de sakta hai.
🚨 Call to Action — Ajay Jain Financial Services
Agar aap chahte hain:
✔ Best term insurance advice
✔ Claim rejection se bachne ke expert tips
✔ Right sum assured selection
✔ Family ke liye perfect, affordable protection
✔ Zero-confusion claim support
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👉 Message karein: “TERM PLAN.”
Aapki family ki financial safety,
meri zimmedari.
Ajay Financial Services – Aapka Bharosemand Bima Saathi.
