Claim procedure is very simple under a group insurance scheme. Usually we need following documents at the time of processing a claim:

  • A formal request letter from the organisation in respect of the (death/disability) claim.
  • A certificate from the organisation to the effect that the insured member was in service till his death/disability.
  • An attested copy of age proof certificate issued by a competent authority (Usually S.S.C, in absence service record).
  • A death certificate issued by the last attending physician - usually from a registered doctor, Hospital or Clinic.
  • In case of accidental or unnatural death/disability, an attested copy of the First Intimation Report (FIR) along with an attested copy of the post-mortem report (if post-mortem has been done). If the post-mortem is waived then the documentary evidence of such waiver by a lawful authority must be submitted.

All claims are settled by an account payee cheque in the name of the employer unless otherwise mentioned in the group insurance contract.