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.

Quick Claims Processing for Disasters & Natural Calamities:

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]

1. What are the documents required for registering a claim under a policy?

The documents necessary for registering a claim under a policy vary according to the policy benefits. Every policy document mentions the list of documents necessary to register a claim. Please refer to your policy document for the list of documents. For HDFC Life policies please visit the "Make a Claim" on www.hdfclife.com to know more about the claim documents required for different products. You may also call us on our Service help line number: 1860-267-9999 (Local charges apply; Available all 7 days; 9am to 9pm). DO NOT Prefix any country code.

2. What are the Mandatory Claim Documents required to process the claim?

Irrespective of the products mentioned below, documents are the basic requirement to be accompanied for any claim case:-

  1. Claims Form
  2. Death certificate issued by the Municipal Corporation(in case of death claim)
  3. Original Policy Document
  4. Beneficiary’s Residence & Identity Proof (Original seen & verified stamp along with signature to be affixed on 100% cases)
  5. Advance Discharge Voucher
  6. NEFT Mandate along with Account Proof

Other than above mentioned documents, below mentioned documents are required depending upon cause of claim:-

 

a) Cause of Death –Accidental/Murder/Suicide

  1. Police records viz. First investigation report, panchnama, inquest report and final investigation report to be attested by police authorities
  2. Post Mortem & Viscera report attested by police authorities

b) Cause of Death –Natural

  1. A copy of medical records at the time of death.
  2. A copy of medical records for past illness/ailments
  3. Doctor’s /Hospital’s certificate attested by appropriate authorities
  4. Family Doctor’s certificate attested by appropriate authorities
  5. Employer’s certificate attested by appropriate authorities

3. What are the supporting documents required along with the NEFT mandate?

Original cancelled cheque or original bank statement with pre-printed Account Number, IFSC code and the customer’s name on the same or copy of the bank passbook.

4. What needs to be done if the policy documents are not available with the Nominee?

Indemnity Bond on the stamp paper as applicable in the state and duly notarized should be submitted. Bond Template to be collected from the nearest service Branch.

5. What are the documents required for 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

Please refer our claim section in website http://www.hdfclife.com/customer-service/claims under the Claim Request Form tab, which gives the details of documents required.

1. In how many days Claimant will receive claim denial letter?

Denial Letter is sent within a T + 7 days. (T being date of decision).

2. What if the NEFT processed by us is rejected by the Bank?

(NEFT failure)

A letter will be sent to the customer, informing them of the NEFT failure and thus providing a fresh NEFT mandate. (Along with the Concerned Bank’s manager authority letter to process the Claim amount in the account)

1. To whom will the death claim amount be paid?

The claim amount is payable to the policyholder / nominee/ beneficiary under the policy. Every policy document clearly states the Nominee / Beneficiary under the policy.

In case of UL-Young Star Products payment will be done to the Beneficiary.

In case of Proposed policyholder, if Life Assured dies then the payout is made to the proposed policyholder.

The death claim amount is paid to the nominee mentioned in the policy document. If a claim arises when the nominee is a minor, the claim is paid to the appointee. The names of the nominee/ appointee are mentioned in the policy document.

In case the life assured has changed the nomination/ appointee in the policy document, it will contain an endorsement to the effect. The death claim amount is payable to the latest nominee/appointee registered with the company.

In case the policy is assigned, the death claim amount is payable to the assignee. If a claim arises when the policy is reassigned and no nomination is done on the policy the death benefits would be paid to the heirs of the deceased Life Assured.

In case the policy has a Beneficiary, the claim amount is payable either to the beneficiary or the trustee depending on the documentation at the time of policy issuance / creation of trust.

2. How do I intimate the death claim under a policy?

It is important that death claim intimation is sent to HDFC Life immediately on the death of the Life Assured. To intimate death, a simple letter along with a copy of the death certificate should be submitted at the nearest HDFC Life branch office. Alternatively, you may intimate the claim team through our website http://www.hdfclife.com/customer-service/claims under the Claim Request Form tab. Please refer to our claim section in the website, which provides details of the documents required depending upon cause of the Event. You may also approach the customer relations officer at the nearest HDFC Life branch, who can assist you about the claim documents required for processing the claim.

3. What is the time frame within which the claim has to be reported to the Company?

A claim must be reported as soon as possible to enable the company to process the claim.

4. What is the procedure for the claiming of Critical Illness, Disability claim?

The process is same as Death Claims.

5. Is NEFT mandatory for all group & rural claims?

As per the IRDA circular no. IRDA/F&A/CIR/GLD/056/02/2014 dated February 13, 2014, all payouts made to customers need to be in the electronic form. Hence, NEFT details of the customers are mandatory to process the claim payouts.

6. Whats the process for cases where in death is prior to policy.

The process is same as Death Claims.

7.What communications are sent to claimant for cases where in post death claim, maturity benefit is payable?

The Endorsed Original Policy document is sent back to the claimant, which details the benefit that is paid & will be payable at Maturity & during the term of the policy (in case of Beneficiary, Payout is payabe post death claim approval & before the policy term ends.