A Guide on How to File a Death Claim with an Insurance Company


No matter how celebrated your life is, you can’t ignore that death is certain. Today, we are discussing filing a death claim with an insurance company. Though it might sound a bit morbid, life is full of uncertainties, and it is important to be prepared for all eventualities. So, if you find yourself in the unfortunate situation of needing to file a death claim, worry not! We’re here to guide you through the process of it in the easiest way!

1. Know Your Policy

First things first, before you dive into the claim process, take a deep breath and grab a cup of tea. It is crucial to familiarize yourself with the insurance policy of the deceased. Look for any specific guidelines or conditions regarding death claims. Every policy is unique. So make sure you read through it carefully.

2. Inform the Insurance Company

Once you have looked at the policy, you must contact the insurance company. Give them a ring or shoot them an email to inform them about the unfortunate event. You can find their contact details in the policy document itself or on their website. Remember, open communication is the key when you are in the process of getting a death claim.

3. Gather the Required Documents

Next comes the paperwork. And yes, it is all part of the process. To file a death claim, you will typically need the following documents:

  1. Death certificate– This is the most crucial piece of evidence. Make sure you obtain an original or certified copy of the death certificate from the appropriate authorities. Remember, photocopies won’t cut it!
  2. Policy documents – Collect all the insurance policy documents, including the original policy contract and any endorsements or riders.
  3. Claim form — The insurance company will provide you with a claim form. Fill it out with accurate details.
  4. Identification proof — Gather identification documents of both the deceased and the claimant. This can include a PAN card, Aadhaar card, passport, or any other government-issued ID.
  5. Additional documents — Depending on the circumstances, the insurance company may require additional documents such as medical records, post-mortem reports, or police reports. Stay in touch with the insurer to determine the exact requirements.

4. Submit the Claim

Once you have everything in place, it is time to submit the claim. Double-check everything, ensuring that all the documents are complete and accurate. Remember, even the smallest error can cause unnecessary delays. So, be thorough!

5. Follow Up and Be Patient

Once the claim is submitted, it is time to play the waiting game. Insurance companies typically have a designated timeline within which they process claims, as per Indian law. However, it is a good idea to follow up with the insurer regularly to stay updated on the status of your claim. 

6. Seek Legal Assistance if Needed

In some cases, the claim process may hit a roadblock or become unnecessarily complex. If you find yourself in such a situation, seeking legal advice is wise. An experienced lawyer can guide you through the legalities and protect your rights.

7. Stay Informed

Finally, remember that knowledge is power. Keep yourself updated on the latest developments in insurance laws and regulations in India. This will help you navigate the claim process more confidently and understand your rights and obligations.