Problems and Solutions in Death Claim Notification
The basic purpose of a Life Insurance Policy is to provide Financial Security to the future of your family. But there are many questions in the minds of the policyholders and their nominees regarding the Death Claim Process in Life Insurance Policies. In this article of Jeevan Bima Bazaar, we will try to answer many important questions related to Life Insurance Policies and we will also know when and how to make a Death Claim Notification.
When should a Death Claim be Made?
After the death of the policyholder, the nominee should inform the Life Insurance Company as soon as possible. Usually the time limit set for informing about the Death Claim is considered to be 15 to 90 days. But this time limit can be different for different insurance companies.
Different Life Insurance Companies operating in India can set different time limits for Death Claims. But each of these Life Insurance Companies requests to receive the information of the death of the policyholder immediately. So that the cause of death can be verified and the Death Claim can be paid as soon as possible.
Death Claim should be Made as soon as Possible
Every life insurance company wants to receive the information about the death of the policyholder as soon as possible, so that it can easily verify the Death Claim. Because if the Death Claim is delayed, it becomes difficult to collect evidence regarding the incident. Especially when the policyholder dies in an accident or any other unusual circumstances.
For example, suppose a policyholder dies in a road accident. Now if this information is received by the Insurance Company immediately, then with the help of eyewitnesses present at the accident spot, detailed details about that accident can be easily obtained and other necessary evidence can be obtained.
But when the Insurance Company receives such death information late, then it becomes very difficult to get the exact details of the accident and its cause from the minds of those who are also eyewitnesses of the accident and collecting other evidence also becomes a very difficult task.
Therefore, immediately after the death of the policyholder, the nominee mentioned in the policy or the claimant of the policy should submit the information of death to the branch office of the concerned Life Insurance Company as soon as possible.
Consequences of delay in Death Claim Information
If due to some reasons the Death Claim Information is submitted late to the Insurance Company, then the concerned Life Insurance Company does not reject such information immediately, but accepts it. But the process of claim definitely slows down in the information received late. This is because the insurance companies take more caution in the investigation process in such cases and try to confirm the reason for the information received late.
Now if the Insurance Company does not find sufficient evidence of the cause of death in the investigation results, then the company can also reject such claims. Therefore, our advice to you would be that in any case, after the death of the policyholder, the nominee should submit its detailed information to the Insurance Company as soon as possible.
Death Claim Information Submission
Immediately after the death of the policyholder, the nominee mentioned in the policy should first get the Death Certificate of the deceased policyholder made. After this, write an application to the branch manager of the concerned branch office, in which the details of the policyholder's policy and the place, date, time of death etc. are given in detail.
Now this application should be submitted to the concerned branch office along with the photocopy of the death certificate and its receipt must be obtained. This receipt received from the Insurance Company should be kept safe until the full payment of the Death Claim of the policy is received.
With regard to Death Claim Information, we have explained this topic in detail in our previous article, titled "LIC Death Claim Application Form Information". For more information, you can read that article.
Death Certificate and Its Importance
Generally, the Death Certificate is the basic document for Death Claim Information of any Life Insurance Policy. There is a certain form of death certificate valid in India, which is known as Form No. 6 (C). It can be obtained by applying at any Sahaj Jan Seva Kendra or Common Service Center. This is a valid document which is accepted by every Life Insurance Company as a Death Certificate.
A Death Claim Intimation is considered officially and legally only when a nominee or claimant submits a written intimation of the death of the deceased policyholder to the Insurance Company along with the death certificate.
Problems for Death Claim Intimation
Many a times it has been seen that the family members of the deceased policyholder are in grief and in this condition they do not even think of starting the Policy Claim Process. After some time passes, they think about the Death Claim of the Life Insurance Policy. And when they come to know that getting a Death Certificate is very important for this work, then they start this process.
However, getting a Death Certificate from Sahaj Jan Seva Kendra or Common Service Center is a very easy process. Often after successful registration for a death certificate, usually within 15 to 21 days the Death Certificate can be obtained. But if due to some reasons the Death Certificate is not issued then this work may take more time to complete.
Now Life Insurance Companies often do not accept the Death Claim information in the absence of a Death Certificate. Then the nominee or claimant has to face problems in Policy Claim. If the Death Claim in the policy is made after 90 days then many types of problems can arise in the Death Claim.
Primary Death Claim Intimation
Since every Life Insurance Company requests to receive the information of the death of the policyholder immediately, but on the other hand the problem is that if the death certificate is not received on time then your Death Claim Intimation is not officially accepted. Apart from this, the third major problem is that if the Death Claim Intimation is submitted late then the Insurance Company can also reject the Death Claim. In such a situation, an important question arises that what should the nominee or claimant do in such a situation.
The practical solution to this is that you submit an Primary Death Claim Intimation to the concerned Insurance Company. For Primary Death Claim Intimation, you should obtain a death certificate from the Gram Panchayat or Nagar Panchayat. If the policyholder has died in the hospital, then the death certificate issued by the hospital will also prove useful in this work.
Now after this, register for the death certificate in Sahaj Jan Seva Kendra or Common Service Center. By doing this, you will get the registration number and a copy of the registration form. After this, write a detailed description of the death of the deceased policyholder in an application and also enter the registration number and date of registration received from Sahaj Jan Seva Kendra.
After this, send the photocopy of the death certificate received from the Gram Panchayat or Nagar Panchayat or Hospital along with this application to the branch office of the concerned Life Insurance Company through post office through registered or speed post. Keep this registered or speed post slip safe until you receive the Death Claim.
If you want, you can also send this preliminary Death Claim notice through email.
How to write Preliminary Death Claim Notice
Download the Primary Death Claim Notice File by clicking on the download button given below. As soon as you do this, a PDF file will be downloaded on your mobile. This PDF file will be of 7 pages. To read this file, it will be necessary to have any PDF reader application installed in your device.
How to Find Out About the Branch
Remember, early Death Claim Intimation is not an official process. That is, if you submit a Death Claim Intimation in this way, then your Insurance Company will not accept such intimation.
This is only so that you have proof that you had informed the insurance company about the death claim and you had also told the company that you have applied for the death certificate and as soon as you receive this certificate, you will submit the information about it to the insurance company. The advantage of this will be that the Insurance Company cannot reject your claim on the ground that you did not inform about the Death Claim on time.
So you have to send this intimation through post office or email only. In such a situation, you have to know the address and email ID of the branch office of your Life Insurance Company. If your policy is purchased from Life Insurance Corporation of India, then you can know about this by clicking on the link given below.
Conclusion
It is very important to understand the Death Claim Process in Life Insurance Policies and to present it correctly. For the Death Claim of every Life Insurance Policy, it is necessary that the Death Claim Information is given on time, so that the company can verify the Death Claim and you can receive the Death Claim Payment on time. Giving timely information not only makes the Death Claim Process easier but by doing so, the rights of the nominee are also protected.
Know in Detail in the Video
To know more about the information given in this article, watch the video given below carefully till the end. If you have any questions in this regard, then write your questions in the comment box of the video.
