How to File an Insurance Claim
Table of Content
HDFC Life facilitates straightforward and convenient claims settlement. In the 2023-24 fiscal year, HDFC Life achieved an impressive 99.50%## claim settlement ratio. Policyholders can conveniently lodge claims and get answers to questions, whether by visiting a branch in person or handling everything online. In this article, we'll explore the claim procedures and paperwork needed for different policies.
How Does HDFC Life Insurance Process Claims?
HDFC Life extends policyholders the convenience of selecting from three accessible methods to initiate the claim process:
Online Submission
WhatsApp
Branch Visit
Policyholders can submit claims online through HDFC Life's website, streamlining the process. This allows for quick, efficient claim intimation without paperwork.
HDFC Life offers an innovative way to report claims through WhatsApp. Policyholders can scan a QR code or text "Death Claim" to +91-82918 90569.
For those who prefer a more traditional approach, HDFC Life facilitates claim intimation through physical branch visits. Policyholders can visit the nearest branch and submit the necessary claim form in person. Your can download the form directly from the HDFC Life website Click here to Downlaod the Claims Form
Regardless of the chosen method, HDFC Life ensures that lodging and processing a claim is a straightforward 3-step process. This approach prioritizes customer convenience and aims to provide efficient assistance during the claims settlement process.
Steps for Claiming Insurance Online
Online claiming offers a faster, simpler, paperless, and more user-friendly process. If you're considering filing a claim online, follow these straightforward steps:
Step 1: Verify Policy Details
Step 2: Submit Life Assured Details
Step 3: Provide Nominee Details
First, verify your policy information. Ensuring you can furnish all relevant details from your policy facilitates providing the required claim data, including specifics on the claim, claimant, insured person, and contact details.
Next, provide the details of the insured individual. This includes submitting identification proofs, medical certificates, discharge receipts, and other relevant medical expense documents.
Lastly, provide the necessary details about the nominee as required in the claim settlement process.
Steps for Claiming Insurance Offline
You can visit one of our branches to handle your insurance claim in person. Here's a clear, step-by-step guide to help you through the process:
Step 1: Submit the Claim Form
Step 2: Gather Required Supporting Claim Documents
Step 3: Submit the Claim Form and Supporting Documents
Download the claim form from our website or obtain it from any HDFC Life branch. Ensure you accurately complete all required details before submission.
After completing the form, gather the supporting documents needed for the claim. Typically, these include identity proofs, discharge papers, medical vouchers and reports, plus other relevant papers.
Once you have the documents, bring them and the filled claim form to our nearest branch. Locating branches is easy via our website's tool; input your state and city to find addresses and hours. Visit during open hours with everything needed to file your claim.
What documents are necessary for an insurance claim?
When settling an insurance claim, the company must submit specific documents to verify the claim details. Here's a breakdown of the mandatory documents required for claims:
Death claim form (including NEFT details)
Death certificate issued by the government or local municipality authority
Original policy document (if applicable)
Claimant’s PAN details
Claimant’s ID proof
Claimant’s address proof
Personalized cancelled cheque or Bank passbook (with printed account number, name of the account holder, and IFSC code)
For Natural Death Claim
For Unnatural Death Claim
For Natural Calamities / Disaster Claims
Additionally, depending on the type of claim, the following additional documents may be required:
Submit medical cause of death certificate and associated medical records.
Provide post-mortem report, FIR, Panchnama, Police inquest report, and annuity claim documents.
Furnish death certificate, NEFT details, PAN card, address proof, original policy document, and bank details.
For Critical Illness Claim
Provide critical illness claim forms, hospital records, and diagnostic test reports.
Conclusion
In conclusion, knowing what documents are needed and the steps involved in claiming insurance can make the process much smoother. HDFC Life's user-friendly approach and clear instructions help customers easily navigate their claims.
Related Articles
- Important Reasons to Check Insurer's Claim Settlement Ratio
- Hassle-free Claim settlement Process - How to file claim with HDFC Life
- How do I fill health insurance claim form?
ARN: ED/03/24/9657
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We at HDFC Life are committed to offer innovative products and services that enable individuals live a ‘Life of Pride’. For over two decades we have been providing life insurance plans - protection, pension, savings, investment, annuity and health.
##Individual death claim settlement ratio by number of policies as per audited annual statistics for FY 2023-24.
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