There exists no power in this universe that can relieve a family from the excruciating pain of losing someone they love. Added to the unexplainable despair and sorrow, the family also gets enveloped into a financial crisis if the person was the sole breadwinner.

Taking into account such uncertainties, breadwinners must secure the financial future of their family by buying a life insurance policy that provides a pre-determined financial benefit after the demise of the policyholder.

The second step after buying a life insurance policy is to be versed with the claim process.

In the unfortunate incident of the policyholder's death, the first step of initiating the claim process includes collecting all the important documents that the insurance company would need to verify the claim. For a death claim, you would need the original death certificate and a medical cause of death.

In case there has been an accidental death, you will need to produce the FIR report, and a final police closure report.

To claim a ride, you will need all relevant medical records and a certificate from a registered medical practitioner.

To initiate the claim, you will have to file the claim settlement form. This can be collected from the nearest branch of your insurance company or their website. The next process will require you to submit the form to the insurer along with relevant documents, policyholder's ID proof, address proof, and a cancelled cheque of a bank account where the claim amount would be credited.

The form can be submitted at the branch of the insurer, could be handed over to its agent, or can be couriered. You can also fill the claim settlement online and submit the documents.

Post this, once the claim is registered, the insurer would inform you about it through SMS or email, or WhatsApp. You can also track the progress of the claim process through the website of the insurer. After thorough verification of the form, the money would be released to the nominee.

If there are any confusions, feel free to contact the customer care of your insurer.

Documents required for death claim:

Death certificate

Original policy documents

ID proof of the beneficiary

Age proof of the insurer

Medical certificate (proof of the cause of death)

Police FIR (in case of death due to accident)

Postmortem report (in case of death due to accident)

Hospital records/certificate (in case of death due to illness)