Make an Insurance Claim

Make an Insurance Claim

Bereavement is difficult to deal with and we at HDFC Life understand this completely and do all we can to help your family financially in this moment of distress. We strive to ease the process by enabling faster settlement of your claims.

Please drop us a mail at claims@hdfclife.com for any assistance or query relating to reporting a claim (Death Claims/Critical Illness Claims) or healthassure@hdfclife.com for Health Insurance Claims and we will help you with the details required to process the claim.

 

Claim Evaluation Process

To enable you arrange the documents faster, we have here a tentative list of documents that need to be submitted with the claims form.

Life Insurance Claim Documentation

Natural Death

  1. Death claim form (includes NEFT)
  2. Death certificate issued by Govt. / Relevant Authority
  3. Original Policy Document
  4. Claimant’s Identity & Residence Proof
  5. Medical records at the time of death & past illnesses

 

Un-natural Death (Accidental death / Murder / Suicide)

  1. Death claim form (includes NEFT)
  2. Death certificate issued by Govt. / Relevant Authority
  3. Original Policy Document
  4. Claimant’s Identity & Residence Proof
  5. FIR, Police Inquest Report & Panchanama
  6. Post Mortem Report

 

Additional documentation may be requested on case-to-case basis

Disaster / Natural Calamities

  1. Death claim form (includes NEFT)
  2. Death certificate issued by Govt. / Relevant Authority
  3. Original Policy Document
  4. Claimant’s Identity & Residence Proof

 

Critical Illness Claim

  1. Critical Illness claim form
  2. Medical records (current & past) viz. hospital records, reports of diagnostic tests done.
  3. Original Policy Document
  4. Claimant’s Identity & Residence Proof

 

Additional documentation / forms may be requested on case-to-case basis

 

How To make a claim through HDFC Life Video

 

Reimbursement Claim Process

Cashless Claim Process

The claims must be submitted along with following documents in original:

  1. Claim form duly filled and signed by You/Life Insured
  2. Hospitalization discharge card/summary
  3. Hospital invoice(s)(summary and the itemized invoices) and corresponding payment receipts
  4. Surgical summary (in case the Life Insured has undergone a surgery)
  5. All supporting diagnostic reports and prescriptions
  6. All Pharmacy receipts and corresponding prescriptions
  7. Ambulance invoice if applicable

 

Self attested copies of following documents:

  1. Health card Or Policy document and
  2. ID proof

Please note that above is an indicative list of required documents and we reserve the right to call for additional documents or raise further requirements.

30-Days Waiting Period

Pre-Existing Conditions

Permanent Exclusions, no payment for-

  1. Treatment received outside India
  2. Non Allopathic and Experimental Treatment
  3. Self Inflicted injuries or attempted suicide
  4. Substance misuse and de-addiction
  5. Cosmetic treatments
  6. Sleep and Obesity
  7. Dental Treatment (except due to accident)
  8. Routine Eye and Ear Ailments
  9. HIV/AIDS

View complete list of Exclusions

  1. Full disclosures with respect to information requested in the proposal form.
  2. Timely payment of premia on the due date.
  3. Submission of NEFT details along with cheque copy to enable direct credit into your account.
  4. Submission of the complete claims documentation & information requested at our nearest branch.

Please fill the form to initiate a Death Claim request. Claim will be registered after submission of documents at branch.
Fields marked with "*" are mandatory to be filled.

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Claim Track Record for FY 2012-13

At HDFC Life, we ensure a hassle-free and uniquely sensitive claim experience. We are always doing our utmost to enable faster settlement of claims and our Claims Settlement Ratio reflects our assurance. We have settled 96.56%* of the claims received by us, the claim amount being worth 164.42 Crores.

Please visit the IRDA website www.irda.gov.in for further details.

*as per IRDA annual report 2012-13 [for Individual & Group Death claims]