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Group / Employee Benefit Claims

Employer – Employee Claims

Documents required
  • Group Term Claim Form – to be filled, signed and stamped by Authorized Signatory of Master Policyholder
  • Original Death Certificate issued by local Municipal Corporation or Competent Authority
  • Copy of Medico Legal Cause of Death certificate by the Doctor confirming the cause of death
  • KYC Document of Nominee
  • Bank details of Nominee (Personalized cancelled Cheque or Completed Bank Authorization Form, attested by the Bank, along with a self-attested copy of Passbook / Bank Statement with IFSC and Bank Account number mentioned thereon)

Non Employer – Employee (Lender-Borrower) Claims

Documents required
    • Group Term Claim Form – to be filled, signed and stamped by Authorized Signatory of Master Policyholder
    • Claim Form B - Medical Attendant Certificate to be filled, signed and stamped by the Treating Doctor
    • Death Certificate
    • Copy of all Medical / Hospital records (Admission Notes, Discharge / Death Summary, Test Reports etc.)
    • Application Form / Declaration of Good Health (DGH)
    • Direction of Claim Proceeds Form – to be filled by Nominee
    • Vernacular Declaration Form – to be filled by another person if Nominee is signing in vernacular
    • Original Certificate of Insurance
    • Loan Repayment Schedule & Loan Statement of Account
    • KYC Document of Nominee
    • Bank details of Nominee (Personalized cancelled Cheque or Completed Bank Authorization Form, attested by the Bank, along with a self-attested copy of Passbook / Bank Statement with IFSC and Bank Account number mentioned thereon)
Additional documents for deaths due to Accident, Murder or Suicide
  • First Information Report
  • Post Mortem Report
  • Newspaper cutting where available
  • Viscera Report / Chemical Analysis Report, where applicable
  • Final Police Investigation Report, where applicable

Non Employer-Employee (Non Lender-Borrower Claims)

Documents required
    • Group Term Claim Form – to be filled, signed and stamped by Authorized Signatory of Master Policyholder
    • Claim Form B - Medical Attendant Certificate to be filled, signed and stamped by the Treating Doctor
    • Death Certificate
    • Copy of all Medical / Hospital records (Admission Notes, Discharge / Death Summary, Test Reports etc.)
    • Application Form / Declaration of Good Health (DGH)
    • Direction of Claim Proceeds Form – to be filled by Nominee
    • Vernacular Declaration Form – to be filled by another person if Nominee is signing in vernacular
    • Original Certificate of Insurance
    • KYC Document of Nominee
    • Bank details of Nominee (Personalized cancelled Cheque or Completed Bank Authorization Form, attested by the Bank, along with a self-attested copy of Passbook / Bank Statement with IFSC and Bank Account number mentioned thereon)
Additional documents for deaths due to Accident, Murder or Suicide
  • First Information Report
  • Post Mortem Report
  • Newspaper cutting where available
  • Viscera Report / Chemical Analysis Report, where applicable
  • Final Police Investigation Report, where applicable

Employee Benefit Claims

    • Gratuity / Superannuation/ Leave Encashment Claim Form – to be filled, signed and stamped by the Trustee
NOTES

The Insurance company reserves the right to ask for additional documents/information.

Lodging or notification of claim or submission of claim forms and/or claim documents to the Company shall not be construed as an admission of liabilities of the Company. No agent or official other than designated persons are authorized to admit any liabilities on behalf of the Company, nor to alter this list of documents or any claims requirements called for by the Company. 

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  • FAQs
  • Process

FAQs

Step 1: Claim Reporting

In case of death of the member under a Group policy, the Master Policy Holder needs to intimate the claim to INLIC Claims team and the key account manager.

List of Mandatory Documents: Employer – Employee Claims
  • Group Term Claim Form (Authorized signature and seal by MPH)
  • Original Death Certificate issued by local Municipal Corporation or Competent Authority
  • Nominee KYC
  • Nominee Bank A/c Details
  • Cause of Death Certificate (Certified by attending medical officer / as mentioned in PMR)
Non Employer – Employee – Lender-Borrower Claims
  • Group Term Claim Form (Authorized signature and seal by MPH)
  • DGH / Application Form
  • Direction of claim proceeds form
  • Vernacular declaration form
  • Death Certificate
  • Nominee KYC
  • Nominee Bank A/c Details
  • COI (Certificate of Insurance in Original)
  • Claim Form B
  • Loan repayment schedule & Loan statement of account
  • Medical & hospitalization report reports if any If the cause of death is accident or suicide, additional documents required) PMR & FIR report
Non Employer -Employee – Non Lender-Borrower Claims
  • Group Term Claim Form (Authorized signature and seal by MPH)
  • DGH / Application Form
  • Death Certificate
  • Nominee KYC (If the claim is to be settled in favour of Nominee) Nominee Bank A/c Details (If the claim is to be settled in favour of Nominee)
  • COI (Certificate of Insurance in Original)
  • COI (Certificate of Insurance in Original)
  • Medical & hospitalization report reports if any
  • If the cause of death is Accident or suicide, additional documents required)
    PMR & FIR report
Step 2: Claim Processing

On receipt of the Claim form and mandatory documents, INLIC will assess the claim and take decision basis the merit of the case. If there is any requirement to be completed by the Claimant, INLIC will intimate the same and once the requirement is completed, the Claim would be assessed.

Step 3: Claim Settlement

If the claim warrants an Investigation, INLIC will take the final decision on the Claim within 45 days from the date of intimation of the Claim.

Non-investigated claims will be decided within 15 days from the date of intimation.

Ideally the Claim should be reported as soon as possible. This will help us settle the claim at the earliest. However, no claim is denied in view of delay in intimation.

Claim payments are made through a) National Electronic Fund Transfer (NEFT) b) Cheque
National Electronic Fund Transfer
  • Basis the bank details submitted by You
  • If you have submitted personalized cancelled cheque or bank statement /Bank passbook copy with last 6 months transactions
  • If your bank is participating in Electronic Fund Transfer clearance
Cheque Payment
  • When you have not submitted bank details prior to your due dates
  • If you have submitted non-personalized cancelled cheque or bank statement/Bank passbook copy which is not opened before 6 months
  • If your bank is non-participating in the Electronic fund transfer clearance

Process

Claim Intimation and Submission of Supporting Documents

  • Death Claim of a member is to be reported to the Master Policyholder along with supporting documents.
  • Master Policyholder will then send the claim to the Company (INLIC) for further processing.

Claim Assessment and Processing

  • Claim documents and supporting documents will be scrutinized for completeness.
  • Additional documents, if any, will be triggered and communicated to Master Policyholder.

Claim Decision and Payout

  • On receipt of complete documentation, the claim will be decisioned.
  • In case of approved claims, the payment will be initiated within 3 working days.

Benefit Claims Process

Claim Intimation

  • Claim Forms signed by the Trustee to be sent to INLIC through respective Key Account Manager.

Claim Processing

  • INLIC Claims team will assess the claims basis the documents submitted and process the claim.

Claim settlement

  • Once the claim is approved, the payment will be initiated within 3 working days.
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