Claims Support

Health Claims

• Duly filled claim form
• Hospital discharge summary
• All original bills & receipts
• Investigation reports
• Policy copy & ID proof

Motor Claims

• Duly filled claim form
• Copy of RC, DL & policy
• FIR (for theft/accident)
• Repair estimate & bills
• Survey report

Fire / Property Claims

• Duly filled claim form
• Photos/video of damage
• Survey/FIR report
• Purchase invoices for assets
• Policy document

Marine Claims

• Survey report at destination
• Bill of lading / airway bill
• Commercial invoice & packing list
• Photos of damaged cargo
• Police report (if theft)

Life Insurance Claims

There are three types of life insurance claims — Death Claims, Maturity Claims, and Rider Claims. Each requires a specific set of documents.

Death Claim

• Original policy bond / certificate
• Certified copy of death certificate (from Municipal Corporation / Gram Panchayat)
• Claimant's statement form (duly filled)
• NEFT mandate form with cancelled cheque
• KYC documents of nominee (Aadhaar, PAN)
• Medical attendant's certificate (for natural death)
• Post-mortem report & FIR (for accidental / unnatural death)
• Employer's certificate (if applicable)

Maturity / Survival Claim

• Original policy document
• Discharge voucher (sent by insurer)
• Identity & address proof of policyholder
• NEFT mandate with cancelled cheque

Rider Claims (CI / Disability)

• Attending physician's report
• Diagnosis reports & hospital records
• Disability certificate from competent authority
• Duly filled rider claim form

Travel Insurance Claims

Travel claims vary based on the nature of loss — medical emergencies abroad, trip cancellations, baggage loss, or flight delays each need separate documentation.

Medical Emergency (Overseas)

• Claim form duly completed
• Policy document & passport copy (with travel stamps)
• All original medical bills, prescriptions & receipts
• Hospital discharge summary & diagnosis report
• Treating doctor's certificate
• NEFT / wire transfer details for reimbursement

Trip Cancellation / Curtailment

• Proof of cancellation from airline / hotel
• Non-refund certificate from travel operator
• Medical certificate (if cancelled due to illness)
• Original booking invoices & payment proof

Baggage Loss / Delay

• Property Irregularity Report (PIR) from airline
• Boarding pass & baggage receipt
• List of items lost with purchase value
• Police report (for theft)

Flight Delay

• Written confirmation from airline of delay duration & reason
• Boarding pass & ticket copy
• Receipts for meals / accommodation incurred due to delay

Liability Insurance Claims

Liability claims arise when a third party suffers injury, property damage, or financial loss and holds your business legally responsible. Prompt notification to the insurer is critical.

Common Documents (All Liability Claims)

• Duly filled claim intimation & claim form
• Policy document & endorsement schedule
• Copy of legal notice / summons received
• FIR or police report (if applicable)
• Correspondence with the claimant / their lawyer
• Photographs & witness statements
• Details of the incident (date, time, location, cause)

Public / Product Liability

• Third party's medical records & treatment bills (bodily injury)
• Damage assessment report for third-party property
• Product batch records / test certificates (product liability)

Professional Indemnity

• Copy of the professional engagement contract / agreement
• Evidence of alleged error or omission (client complaint / report)
• All professional records & work documentation related to claim
• Details of any settlement offers already made

Building Insurance Claims

Building insurance covers structural damage due to fire, flood, storm, earthquake, subsidence, or accidental impact. Document all damage thoroughly before any repair work begins.

Mandatory Documents

• Duly filled claim form
• Policy document & schedule
• Photographs & videos of structural damage
• FIR from local police (for fire, vandalism, theft of fixtures)
• Fire brigade report (for fire claims)
• Municipal / Corporation damage assessment report

Ownership & Valuation

• Title deed / registered sale deed or lease agreement
• Building plan sanctioned by local authority
• Architect's / structural engineer's damage assessment report
• Contractor's repair estimates (minimum 2 quotes recommended)
• Original construction cost records or valuation certificate

For Natural Catastrophe Claims

• IMD / government gazette notification of the event (flood, cyclone, earthquake)
• Geotechnical report (for subsidence claims)
• Independent loss assessor's report (for large-value claims)

Workmen's Compensation Claims

Under the Employees' Compensation Act, 1923, employers are legally liable to compensate workers for injury, disease, or death arising out of and during the course of employment. Timely intimation is mandatory.

Accidental Injury Claims

• Employer's claim intimation form & accident register entry
• Employee's personal details — name, age, designation, date of joining
• Wage certificate (last 12 months' salary / wages)
• Medical certificate from attending doctor describing nature & extent of injury
• Hospital bills, treatment records & discharge summary
• Disability certificate (for partial / permanent disability)
• Accident investigation report / site inspection report
• FIR (if accident occurred on public road or involved third party)

Fatal Accident (Death) Claims

• Death certificate (certified copy)
• Post-mortem report & inquest report
• Legal heir certificate or succession certificate
• Nominee / dependent details & KYC documents
• NEFT mandate with cancelled cheque of legal heir

Occupational Disease Claims

• Specialist's medical certificate confirming occupational disease
• Employment history showing duration of hazardous exposure
• Factory / workplace inspection records
• All treatment bills, prescriptions & reports