Birla Sun Life Insurance has a very streamlined process for its claims procedure. With adequate measures and checks, the company makes sure that the nominee has a smooth experience while claiming the insurance amount in an emotionally trying time.
Inform the company
Any person from the family who has deceased in case of the person whose life was assured must inform the company about the unfortunate incident. This can be done through a branch employee or a sales officer with a written letter for the same. A copy of the death certificate must also be attached from the respective authority which is mandatory. One can also directly contact the claims department at the main head office.
The company sends a notification
The nominee will receive a letter from the claims department which has all the claim forms to be filled and the branch which has been intimated of the same.
The requirements for a normal death claim:
• Death certificate copy which is approved by the authorized personnel from the branch
• The insurance policy or Indemnity Bond in case the original policy is lost
• Statement from the nominee or claiming person
• Legal proofs (in case where title to policy monies is not clear)
• Questionnaire in case the death occurred outside India
• Certificate from the medical personnel
• Certificate from the employer if required
• Medical certificates in case of any previous admissions
• Any other requirement as warranted by the facts of the Claim
The requirements for death due to accident with or without rider:
(Along with the above proofs), one must submit the below documents as well with attestation from authorized personnel in the branch
• FIR or First Investigation Report
• Post Mortem Report
• Police Inquest report
• Any obituary posted on newspapers
Note: One must also remember that the company can ask for any additional proofs or documents apart from the ones mentioned above and the company has every right to ask for the same.
Most importantly submission of the claims does not mean that the company has accepted the claim. The company is in no way liable for paying the claim without any proper verification.
In case of death due to accident with rider claim requires:
• The insurance policy
• Statement from the nominee or claiming person
• Medical treatment certificate from hospital
• Examination by our appointed physician, if required
In case of death due to critical illness with rider claim requires:
• Original policy document
• Statement from the nominee or claiming person
• Medical treatment certificate from hospital
• Family Physician’s Certificate
• Attested Copies of all other Medical Reports
• Examination by our appointed physician, if required
In case of death due to the critical illness of the life assured, the claim has to be lodged after the expiry of a period of 30 days from the date of diagnosis.
You can also contact the Birla Sun Life Insurance with regard to the claims on their toll-free number Within India at 1-800-270-7000.
Life Insurance Policy Information In India 