You take out an insurance policy for financial protection and reimbursement against any loss. Insurance policies are key component of your financial and retirement planning. When the time comes to claim your insurance, you will be required to submit documents to verify your claim. Let’s discuss what these documents are for different insurance types.

• Life Insurance – Life Insurance claim can be maturity claims, money back claims or death claims. In case of maturity and money back claims, the documents required are similar when compared to death claims.
  • Maturity or Money Back Claims –
    • Policy Discharge Form
    • Original Life Insurance Policy Bond
    • Identify proof of the insured
    • Age proof of the insured
    • Proof of bank account – either bank statements or a cancelled cheque
  • Death Claims – These documents have to be submitted by the nominee/claimant after attesting them.
    • Death claim form duly filled and signed by the nominee/claimant.
    • Death certificate of the insured by the local municipal authority
    • Original Life Insurance Policy
    • Identify proof of the nominee/claimant
    • Age proof of the nominee/claimant
    • Proof of bank account – either bank statements or a cancelled cheque
    • Doctor’s statement – in case of natural death
    • Hospital’s certificate – in case of natural death
    • Police report – in case of an accidental death
    • Post Mortem Report – in case of an accidental death
  • Health Insurance – Health insurance claims can be of two types.
  • Cashless Hospitalisation Claim
    • Pre authorisation form for cashless facility
    • ID card issued by the insurance company
  • Reimbursement Claims
    • Doctor’s prescription advising hospitalisation
    • Doctor’s prescription advising medicine, tests and consultation
    • Claim Forms- One issued by the hospital, one submitted by the policyholder.
    • Original Pharmacy bills
    • Discharge summary
    • Hospital records
    • Police report in case of hospitalisation due to accident
    • Bank details of the policy holder in case of reimbursement
  • Vehicle Insurance –
    • Claim form filled and signed by the policyholder
    • Identity proof
    • Driving license of the policy holder
    • Copy of the policy
    • Details of the vehicle – number, model, registration details, etc
    • Police report – in case of an accident or theft
    • RC book of the vehicle that is insured
    • Non-traceable certificate issued by the police authority in case of theft of the vehicle
    • Repair bills for the work done by the garage
    • Bank details of the policyholder for reimbursement