Customer Service – Group Insurance

The documents required are as follows:

1. Proposal form
2. Premium Rates Table signed & soft copy/ NML limits
3. Standard Operating Process (SOP)
4. Pan Card - Pan card copy of the Policyholder and authorized signatory
5. Cheque copy or Fund transfer details
6. Member data in uploader file format (Soft copy)
7. Float amount needs to be collected as per SOP
8. Certificate of Registration granted by RBI (For Regulated business) or Certificate of Incorporation (For Non Regulated business)
9. Credit Life / Affinity quote template signed by Partner and Account management team

Details of Fund transfer are as below:

Group Health Shield (GHS) covers Group Health Credit (GHC) & Group Health Term (GHT).

1 Year.

5 Years.

1 Year.

15 Days.

30 Days.

No

No

Refer below grid for TAT details.

The Nominee can intimate a claim. If the Nominee is minor, the Appointee can intimate a claim on behalf of the minor Nominee. In case of unfortunate events of the contractual parties, the claim can be intimated by the legal heir with proof of legal title.

The claim form, fully filled and signed by the Beneficiary along with other mandatory documents (please refer to Q4.) should be submitted to the Master Policyholder (MPH) for their stamp and signature. MPH will then share the documents with HDFC Life along with the Member Information Form, Loan sanction letter & outstanding loan amount as of the date of the event.

Also, your claim can be lodged in any branch of HDFC Life or you can write to us at [email protected]. Please note that further requirements, if any will be raised with the MPH/Nominee.

The claim form to be chosen depends on the policy issued to Life Assured. Please seek the assistance of MPH to choose the correct form:

• For Non-Employer Employee NMFI policy 
• For Non-Employer Employee MFI (Micro-finance institution) policy 
• For Employer-Employee (GTI - Group Term Insurance) policy 
• For PMJJBY policy

Please refer to the Claim form for the mandatory documents to be submitted along with the claim. Ensure that the claim form is completely filled & signed by the Claimant and the MPH.

For your quick reference, click on the below link for the list of mandatory documents.
 

• For Non-Employer Employee (NMFI) policy 
• For Non-Employer Employee (MFI)
• For Employer-Employee (GTI - Group Term Insurance) policy
  
• For PMJJBY policy
  

For Multiple Policies the Nominees will have to fill in separate Claim Intimation Form along with all requisite documents. Multiple copies of documents pertaining to affected person need not be submitted. 

NMFI claim form - All Sections except Section VI have to be completely filled and signed by the Claimant before submitting the claim form to the MPH. Section VI to be filled up by the MPH.
 

MFI claim form - All Sections except Section V have to be completely filled and signed by the claimant before submitting the claim form to the MPH.Section V to be filled up by the MPH.
 

GTI claim form - All Sections except Section V – Declaration of Master Policyholder have to be completely filled and signed by the claimant before submitting the claim form to the MPH.Section V to be filled up by the MPH.
 

PMJJBY claim form - All Parts except Part 3 have to be completely filled and signed by the claimant before submitting the claim form to the MPH. Part 3 to be filled up by the bank
.

Please refer the pre-filled NMFI claim form for your reference. MFI/GTI/PMJJBY claims are to be similarly filled.

You should report a claim as soon as possible, to help us process it faster. 

Please refer the copy of Certificate of Issuance (COI) to understand the claim benefits payable as per the applicable T&C of your policy. 

Please refer Appendix A of COI for Schedule of Benefits payable for your policy..
 

Please refer Appendix B of COI for Exclusions /Rider Benefits.

If we are unable to settle within the above TAT, your claim will be settled along with a penal interest at the rate of 2% above the bank rate* (prevalent at the beginning of the financial year) on the claim amount.

*Rate to be calculated from the date of receipt of the last requirement to the date of payment of the claim. TDS will be applicable as per the existing Income Tax rules.

You can now check the claim status on real time basis. Click on Track Claim status tab and enter your Group Policy details to view the status of your claim.

Further you can connect with the Master Policyholder for any queries regarding your claim.

Alternatively, you can also write to us at [email protected]. Your queries will be addressed within 5 working days. (Please refer to the below format while writing to us.)
Kindly ensure the below is mentioned in your mail:
 
Master Policy No. and Loan Account number*
Copy of Certificate of Insurance attached
Subject line as per below-attached format:
For Queries:
 
To: [email protected]
Subject: Query: Group Policy No: <type your Group Policy no.>, LAN: <type your loan account no.>
 
For Complaints:
 
To: [email protected]
Subject: Complaint: Group Policy No: <type your Group Policy no.>, LAN: <type your loan account no.>
 
*Please check the first page of the copy of the Certificate of Insurance for Master Policy No. and Loan account no.

In the event of the death of a life assured, the claim proceeds are to be given to the nominee. However, in the unfortunate event of the death of the nominee(as per the Member Information Form), Open Title documents are to be submitted along with the mandatory claim documents mentioned in Q4.

Open Title documents:
                                   1) Advance Discharge Voucher

                                   2) Application To Dispense With Legal Evidence Of Title

                                   3) Rs 500 Indemnity Bond

                                   4) Nominee death certificate in 12/17 format

                                   5) Legal Heir certificate / Succession Certification

The unclaimed amount is money that is due to the claimant in the form of a death claim/rider claim which is settled but the payment has failed (reasons include incorrect bank details provided by the claimant at the time of claim intimation, closed claimant account etc.). The Claim amount is moved to an unclaimed account after 180 days from the date of payment failure.

You can now visit https://www.hdfclife.com/customer-service/claims/unclaimed-policyholder-payment-dues-amount-disclosure to check the unclaimed amount for your claim. Please select ‘Group’ as the policy type(refer to the below screenshot) and then enter the ‘Master Policy no.’ and ‘Master Policyholder name’ (as per the first page of the copy of the Certificate of Insurance).

After submitting the above details, you can search (Ctrl+F) for your unclaimed amount with the last 7 digits of Certificate No. (mentioned on the first page of COI).

To redeem your unclaimed settlement amount*, kindly share the following with [email protected]:

1.    personalized cheque/bank passbook copy of the claimant

2.    self-certified PAN card copy

3.    Address proof of claimant

4.    Copy of COI
 

Kindly mention your Policy No. and Loan Account no ** while writing to us (please refer to the attached format).
 

To: [email protected]
 

Subject: Unclaimed: Group Policy No: <type your Group Policy no.>, LAN: <type your loan account no.>
 

**Please check the first page of the copy of the Certificate of Insurance for Policy No. and Loan account no.
 

*TDS will be applicable as per existing Income Tax laws on any interest accrued.

The claim would be paid in Indian Currency (INR) only

Please refer the Appendix B of the Certificate of Insurance to understand the list of illnesses covered as part of the Accelerated Critical Illness benefit of your HDFC Life policy (as per T&C). 

Your claim can be rejected/repudiated/ invalid due to the following reasons:

*The above reasons are indicative and not exhaustive.

In case you wish to represent your claim to the Company, you may send a written request (duly signed by the claimant) to [email protected]  within 30 days of receipt of the repudiation/rejection letter on the following address:

Claims Review Committee

HDFC Life Insurance Company Limited

11th Floor, Lodha Excelus, Apollo Mills Compound,

N.M. Joshi Road, Mahalaxmi,

Mumbai - 400 011

Maharashtra

Please mention your Master Policy no. and Loan Account no.* Please check the first page of the copy of the Certificate of Insurance for Policy No. and Loan account no. while writing to us. (please refer to the attached format).

To: [email protected]

Subject: CRC: Group Policy No: <type your Group Policy no.>, LAN: <type your loan account no.>

If you are not satisfied with the response provided by the Claims Review Committee, you can also approach the Insurance Ombudsman in your region whose address is mentioned below. This address is available on our website https://www.hdfclife.com/
 

Alternatively, to locate any Ombudsman office, please click on https://www.cioins.co.in/Ombudsman

A policy of life insurance may be called into question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival (if applicable) of the policy or the date of the rider to the policy, whichever is later, on the ground that any statement of or suppression of a fact material to the expectancy of the life of the insured was incorrectly made in the proposal or other document on the basis of which the policy was issued or revived or rider issued.

The Nominee can intimate a claim. If the Nominee is minor, the Appointee can intimate a claim on behalf of the minor Nominee. In case of any unfortunate event of the contractual parties, the claim can be intimated by the legal heir with proof of legal title.

You need to upload the documents in Life Next Portal provided by HDFC Life

Which claim form is to be submitted?

The claim form to be chosen depends on the policy issued.
 

• For Non-Employer Employee NMFI policy
• For Non-Employer Employee MFI (Micro-finance institution) policy 
• For Employer-Employee (GTI - Group Term Insurance) policy 
• For Pradhan Mantri Jeevan Jyoti Bima Yojana(PMJJBY)policy

Please refer to the Claim form for the list of mandatory documents to be uploaded along with the claim form. Ensure that the claim form is completely filled & signed by the Claimant before uploading it on Life Next.

For your quick reference, click on the below link for the list of mandatory documents.
 

• For Non-Employer Employee (NMFI) policy
• For Non-Employer Employee (MFI)
• For Employer-Employee (GTI - Group Term Insurance) policy
• For PMJJBY policy

Yes, the Claimant’s mobile no./email IDhas to be updated on Life Next by the MPH to ensure the claimant receives communication at all claim stages.

For Multiple Policies, the Nominees will have to fill in a separate Claim Intimation Form along with all requisite documents. Multiple copies of documents pertaining to an affected person need not be submitted. 

NMFI claim form - Section VI  to be filled up by MPH.

MFI claim form - Section V to be filled up by MPH

GTI claim form - Section V Declaration of Master Policyholder: to be filled up by MPH

PMJJBY claim form - Part 3 to be filled up by the bank

Please note all other sections in the claim form are to be filled by claimant before uploading in Life Next.

Yes, MEF/MAF is required at the time of claim evaluation and has to be provided by the MPH. The same is provided at the time of policy issuance.

Additional documents can be raised on a case-to-case basis. We will raise the request on LifeNext portal or the same would be communicated to you through our Sales team.

Yes, the documents have to be couriered to the below address:
 

Akshay Pol/Govind Gurav

SeshaasaieForms Pvt. Ltd.

201, Mayuresh Chambers, Plot 60, Sector 11, CDB Belapur,

Navi-Mumbai

Maharashtra

Pin: 400614.

Please refer to the copy of the Certificate of Issuance (COI) to understand the claim benefit payable as per the applicable T&C of your policy. 

Please refer Appendix A of COI for the Schedule of Benefits payable for your policy.
 

Please refer Appendix B of COI for Exclusions.

You should intimate a claim as soon as possible, to help us process it faster.

If we are unable to settle within the above TAT, the claim will be settled along with a penal interest at the rate of 2% above the bank rate* (prevalent at the beginning of the financial year) on the claim amount.

*Rate to be calculated from the date of receipt of the last requirement to the date of payment of the claim. TDS will be applicable as per the existing Income Tax rules.

Claim status can now be tracked on real time basis. Click on Track Claim status tab and enter the Group Policy details to view the status of the claim.

For any queries, please write to us at [email protected]. Kindly ensure the below is mentioned in your mail:
 
Group policy No. and Loan Account number*
Copy of Certificate of Insurance attached
Subject line as per below-attached format:
For Queries:
To: [email protected]
Subject: Query: Group Policy No: <type your Group Policy no.>, LAN: <type your loan account no.>
 
For Complaints:
To: [email protected]
Subject: Complaint: Group Policy No: <type your Group Policy no.>, LAN: <type your loan account no.>
 
*Please check the first page of the copy of the Certificate of Insurance for Policy No. and Loan account no. 
Alternatively, you can also check the claim status on the Life Next portal.

In the event of the death of a Life Assured, the claim proceeds are to be given to the Nominee. However, in the unfortunate event of the death of the Nominee (as per Member Information Form), Open title documents are to be submitted to the Insurer. This includes the below set of documents:
 

Open Title documents :
 

1) Advance Discharge Voucher

2) Application for dispensing legal evidence

3) INR 500 Indemnity Bond

4) Nominee death certificate in 12/17 format

5) Legal Heir certificate / Succession Certification

An unclaimed amount is a money that is due to the claimant in the form of a death claim/rider claim but has not been claimed for more than 6 months since the settlement. Major reasons for this include the payment failure due to incorrect bank details provided by the Claimant at the time of claim intimation, closed claimant account etc.

You can now visit https://www.hdfclife.com/customer-service/claims/unclaimed-policyholder-payment-dues-amount-disclosure to check the unclaimed amount for your claim. Please select ‘Group’ as the policy type (refer below screenshot ) and then enter the ‘Policy no.’ and ‘Master Policyholder name’ (as per the first page of the copy of the Certificate of Insurance).
 

After submitting the above details, you can search (Ctrl+F) for your unclaimed amount with the last 7 digits of Certificate No. (mentioned on the first page of COI).

If the amount* is payable to the Nominee, kindly share the following to [email protected]:

Personalized cheque/bank passbook copy of the claimant
 

• Self-certified PAN card copy
•  Address proof of claimant
• Copy of COI

Please mention your Group policy no. and Loan Account no.** while writing to us. (please refer to the attached format).
 

To: [email protected]

Subject: Unclaimed: Group Policy No: <type your Group Policy no.>, LAN: <type your loan account no.>
 

**Please check the first page of the copy of the Certificate of Insurance for Group policy No. and Loan account no.
 

*TDS will be applicable as per existing Income Tax laws on any interest accrued.
 

If the amount is payable to the MPH, please ensure the submission of MPH account details to us at [email protected]. Please note that the base amount of the claim would be settled in favor of the MPH & the interest would be settled in favor of the claimant’s account details.

Please refer the Appendix B of the Certificate of Insurance to understand the list of illnesses covered as part of the Accelerated Critical Illness benefit of your HDFC Life policy (as per T&C). 

Yes, the claim can be rejected/repudiated/invalid due to the following reasons*. 
 

*The above reasons are indicative and not exhaustive.

In case a claimant wishes to represent his/her claim to the Company, he/she may send a written request (duly signed by the claimant) to [email protected]  within 30 days of receipt of the repudiation/rejection letter at the following address:

Claims Review Committee

HDFC Life Insurance Company Limited

11th Floor, Lodha Excelus, Apollo Mills Compound,

N.M. Joshi Road, Mahalaxmi,

Mumbai - 400 011

Maharashtra

Please mention your Group policy no. and Loan Account no.* while writing to us. (please refer to the attached format).

To: [email protected]

Subject: CRC: Group Policy No: <type your Group Policy no.>, LAN: <type your loan account no.>

If a claimant is not satisfied with the response provided by the Claims Review Committee, he/she can also approach the Insurance Ombudsman in your region whose address is mentioned below. This address is available on our website https://www.hdfclife.com/

Alternatively, to locate any Ombudsman office, please click on https://www.cioins.co.in/Ombudsman

A policy of life insurance may be called into question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival (if applicable) of the policy or the date of the rider to the policy, whichever is later, on the ground that any statement of or suppression of a fact material to the expectancy of the life of the insured was incorrectly made in the proposal or other document on the basis of which the policy was issued or revived or rider issued.