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What are the Documents Required for a Death Claim?
ID proof of the beneficiary : Insurance companies like to see the identity proof of the person claiming benefits before releasing the money to ensure the funds reach the person nominated by the deceased person.
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Process of Claiming Your Life Insurance Policy in India
Provide the Following Documents: One of the common reasons a life insurance claim is not settled on time is that the claimant doesn't submit all the necessary documents. Therefore, ensure that you keep the following documents handy: Death Certificate: This certificate is to be collected from the registrar; it contains important information, such as the time, location, and cause of a person's demise. ID Proof of the Beneficiary: To ensure the payouts reach the person they are intended for, the insurance company requests the ID proof of the beneficiary. Insurance Policy Papers: To ensure there is no discrepancy between the actual terms of the insurance policy and the expectations of the beneficiaries, the policy documents need to be submitted alongside the claim. Discharge Form: If the individual was hospitalised before passing away, a discharge form is needed to show the person is no longer under observation. Postmortem Report: This report is required in case of unnatural death. Hospital Records: The insurance payouts may differ according to the manner of death and whether it was preceded by hospitalisation; therefore, hospital records help the insurance providers paint a better picture of what happened.