We understand the many hardships
that one undergoes when a loved one passes away, and we do not want to make the
process of making a claim on a life insurance policy one more hardship.
Therefore, we have made the claims process simple and specific to ensure that
all legitimate claims are processed as soon as possible.
Prepare your loved ones for the unforeseen
tomorrow:
To ensure that your virtuous decision of taking a
Birla Sun Life Insurance Policy serves your ultimate purpose please make a note
of the following:
Ensure your beneficiary designations are updated and on file
with us. This would ensure prompt claim settlement in the unfortunate event of
death of the Life Assured.
Pay premiums regularly. This would ensure that Policy is in
force. A lapsed policy would mean no death benefits payable to the nominee.
Keep a record of all your insurance policies and make a file of
it. Maintain record of the Advisor / Branch with their address and contact
particulars. Ideally share this information with your loved one.
Educate the loved one on the process to lodge a claim. It is the
responsibility of the beneficiary to inform us about the claim.
Death Claim
In case of unfortunate event of death of the Life
Insured the following standard requirements need to be submitted:
*Death certificate issued by Municipal Authority in
specified format.
Original policy document
Claimant's Statement
(In case the death has taken place outside India, the Claimant is
also required to submit 'Death Abroad Questionnaire')
Discharge form
Legal evidence of title where there is no
nomination, assignment or the policy has not been issued under Married Women's
Property Act.
The Company may in certain conditions call for additional
requirements as warranted.
Birla Sun Life Insurance may also have an investigation made into the bonafides
of any claim where it is considered necessary.
II. Unnatural Death Claim
If a death of the LA is for any reason other than
natural or due to illness, it is termed as unnatural death claim. In such
cases, the following additional documents need to be submitted.
1
* First Information Report
2
* Post - Mortem Report
3
* Police Inquest Report
4
* Panchnama Report
In case of death due to accident, the above documents would be a
necessity. News paper cutting's (if any) may be submitted.
* Note: Attestation of all the above documents by Branch
Head / Relationship Manager.
Accidental Dismemberment Rider Claim
This Rider pays part/ full Face Amount
to the life assured, if the Life Assured accidentally looses certain specified
body part/s (for more information please refer the Policy document for Rider
Provisions) provided that:
Dismemberment occurs while the Rider is in force, and
Due proof is submitted to BSLI that dismemberment was caused solely by external,
violent and accidental means.
Claim Requirements
Questionnaire to be completed by the Life Insured
claiming Dismemberment Benefit
Questionnaire to be completed by the doctor/Hospital which treated
the life insured for his injury / dismemberment
Original Policy Document
*First Information Report (if any)
*Police Inquest Report (if any)
The Rider is terminated once the Face Amount is paid
partially or in full.
* Note: Attestation of all the above documents by
Branch Head / Relationship Manager.
Claim Forms
The different forms are described below.
Questionnaire to be completed by
the Life Insured claiming Dismemberment Benefit
It is required to be completed by the Life Assured. The Life Assured has to
state facts regarding the nature of dismemberment, date of event of
dismemberment, the particulars of doctors consulted by the Life Assured.
Questionnaire to be completed by the
doctor/Hospital which treated the life insured for his injury / dismemberment
It is to be completed by the doctor who attended the life assured during his
treatment for dismemberment. The medical attendant has to give details about
the nature of dismemberment, his diagnosis, nature of deformity.
Birla Sun Life Insurance may also have an
investigation made into the bonafides of any claim where it is considered
necessary.
CI / CI 17 Rider Claim
The Critical Illness Rider pays the
Coverage Face Amount if the Life Assured is diagnosed to be suffering from any
one of the four / seventeen illnesses specified in the Policy conditions (for
more information please refer the Policy document for Rider Provisions). The
Claim for Critical Illness Rider benefit has to be lodged by the Life Insured
only after 30 days from the date of diagnosis.
Claim Requirements
Critical Illness Claimant's statement
Family Physician's statement
Hospital Treatment Certificate
Original Policy Document
Copies of all medical reports
including :
Admission Card and Discharge Summary,
Laboratory reports
Histopathology reports (if applicable)
Specialist reports etc.
The company has a right to require medical
examination of the Life Insured and confirmation of the diagnosis of an Insured
Critical Condition by a medical practitioner appointed by us.
Claim Forms
The different forms are described below.
Critical Illness Claimant form :
It is required to be completed by the person entitled to policy moneys. The
claimant has to state facts regarding the cause of event, date of event, the
particulars of doctors consulted by the insured.
Family Physician's Statement : It
is to be duly completed by the Life Assured's family physician.
Hospital Treatment Form : The form has to be
obtained from the hospital where the life assured was hospitalized for
treatment of his Critical Illness.
Birla Sun Life Insurance may also have an investigation made into
the bonafides of any claim where it is considered necessary.
For any further assistance or information you want on Claims,
Please write to:
The Claims Section, Client Service Dept. Birla Sun Life Insurance Company Limited
5th Floor, Vaman Centre, Makhwana Road,
Off Andheri-Kurla Road, Near Marol Naka,
Andheri (East), Mumbai 400 059.,
OR
Call us at our toll free numbers
1-800-22-7000
and 1-800-270-7000
OR
email us at :
claims@birlasunlife.com
Claims FAQ's - Most Frequently asked Questions with Answers
Insurance is the subject
matter of solicitation. Birla Sun Life Insurance. Registration no. 109
Birla Sun Life Insurance Company Limited, 6th Floor, Vaman Centre,
Makhwana Road, Off Andheri-Kurla Road,
Andheri (East), Mumbai 400059
