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How to File an Insurance Claim

How to file an insurance claim?
March 21, 2024

 

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:

  1. Online Submission

  2. Policyholders can submit claims online through HDFC Life's website, streamlining the process. This allows for quick, efficient claim intimation without paperwork.

  3. WhatsApp

  4. 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.

  5. Branch Visit

  6. 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

  • 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.

  • Step 2: Submit Life Assured Details

  • Next, provide the details of the insured individual. This includes submitting identification proofs, medical certificates, discharge receipts, and other relevant medical expense documents.

  • Step 3: Provide Nominee Details

  • 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

  • Download the claim form from our website or obtain it from any HDFC Life branch. Ensure you accurately complete all required details before submission.

  • Step 2: Gather Required Supporting Claim Documents

  • 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.

  • Step 3: Submit the Claim Form and Supporting Documents

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)

  • Additionally, depending on the type of claim, the following additional documents may be required:

  • For Natural Death Claim

  • Submit medical cause of death certificate and associated medical records.

  • For Unnatural Death Claim

  • Provide post-mortem report, FIR, Panchnama, Police inquest report, and annuity claim documents.

  • For Natural Calamities / Disaster Claims

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.

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ARN: ED/03/24/9657

Francis Rodrigues Francis Rodrigues

Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.

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Author Profile Written By:
Vishal Subharwal Vishal Subharwal

Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.

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HDFC LIFE IS A TRUSTED LIFE INSURANCE PARTNER

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.