If you’re wondering how to initiate a life insurance claim with LIC of India, you’re in the right place. We’ve broken down the process into simple steps to guide you through it.
To start the claim process, you need to provide certain details to LIC Branch Office. The following information is required:
Gather the Required Information
- Policy Number
- Name of the Claimant
- Name of the Life Assured
- Name of the Life Assured
- Date of Death/Event of the Life Assured
- Date of Death/Event of the Life Assured
- Contact Details
Download LIC Death claim Intimation Letter-2023
Claim Registration and Intimation
Once you’ve shared the necessary information, your claim will be registered. You will receive a unique Claim reference or notification number, which should be kept for any future correspondence.
Points to Keep in Mind
In the unfortunate event of a claim, there are some important points to remember:
It’s crucial to inform the insurer of the death claim as soon as possible after the occurrence of the event.
Make sure to submit your claim file promptly to expedite the decision process.
If your policy is over three years old, there’s a lower likelihood of an extensive investigation.
List of Required Documents
For a smooth claims process, you’ll need to provide specific documents:
Mandatory:
1. Certificate of Death
2. Proof of the life assured’s age (if not already submitted)
3. Deeds of assignment/reassignments (if applicable)
4. Policy document
5. Any other documents as per the insurer’s requirements
For Early Death Claims (If the claim occurs within three years from the policy’s start):
1. A statement from the hospital if the deceased had been hospitalized
2. Certificate certificate from the medical attendant detailing the last illness of the deceased
3. A certificate of cremation or burial from a reliable individual present at the ceremony
4. A certificate from the employer if the deceased was an employee
5. For air crashes, a certificate from the airline authorities confirming the assured’s presence
6. For ship accidents, a certified logbook extract from the ship
7. In cases of death due to medical causes, doctors’ certificates and treatment records may be needed
8. If the death was due to accident, murder, suicide, or an unknown cause, police reports, inquest reports, postmortem reports, etc., would be required.
Decision Process
The claims process involves:
1. Intimation of Claim
2. Submission of Documents
3. Decision on Claim
LIC of India is dedicated to supporting you during difficult times. By following these steps and providing the necessary details, you can ensure a smooth and efficient claim process. Remember, LIC Branches are there to assist you every step of the way.