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

How to make a claim

Life Insurance/Critical Illness Claims
claims@hdfclife.com
Health Insurance Claims
healthassure@hdfclife.com
NRI

NRI Claim information refer to the FAQ’s.

Our Claim Process

Life Insurance Claim Document

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

  • Death certificate issued by Govt. / Relevant Authority
  • Death claim form (includes NEFT)
  • Original Policy Document
  • Claimant’s Identity & Residence Proof
  • Medical records at the time of death & past illnesses
  • NEFT Account details
  • Maturity, Money Back & Pension - Annuity Claim Documentation list

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

  • Death certificate issued by Govt. / Relevant Authority
  • Death claim form (includes NEFT)
  • Original Policy Document
  • Claimant’s Identity & Residence Proof
  • FIR, Police Inquest Report & Panchanama
  • Post Mortem Report
  • NEFT Account details
  • Maturity, Money Back & Pension - Annuity Claim Documentation list

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

Disaster / Natural Calamities

  • Death certificate issued by Govt. / Relevant Authority
  • Death claim form (includes NEFT)
  • Original Policy Document
  • Claimant’s Identity & Residence Proof
  • NEFT Account details
  • Maturity, Money Back & Pension - Annuity Claim Documentation list

Critical Illness Claim

  • Critical Illness claim form
  • Medical records (current & past) viz. hospital records, reports of diagnostic tests done.
  • Original Policy Document
  • Claimant’s Identity & Residence Proof
  • NEFT Account details
  • Maturity, Money Back & Pension - Annuity Claim Documentation list

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

Quick Claims Processing for Disasters & Natural Calamities:
1

Nominee to approach the Bank wherein the Member was having the ‘Savings Bank Account’ through which he / she was covered under PMJJBY; long with the death certificate of the member.

2

Nominee to collect Claim Form, and Discharge receipt, from the Bank or any other designated source like insurance company branches, hospitals, PHCs, BCs, insurance agents etc., including from designated websites. The insurance companies concerned shall ensure wide availability of forms at all such locations. Supply of the form shall not be denied to any person requesting the same.

3

Nominee to submit duly completed Claim Form, Discharge Receipt, death certificate along with photocopy of the cancelled cheque of the nominee’s bank account (if available) or the bank account details to the Bank wherein the Member was having the ‘Savings Bank Account’ through which he / she was covered under PMJJBY.

Reimbursement Claim Process

Cashless Claim Process

Health Insurance Claim Document

 

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.

Common Exclusions

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 (UIN:101N087V02)
View complete list of Exclusions (UIN:101N087V01 - Closed for sale)
View complete list of non-payable items as per IRDAI

  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

Claim Forms

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.

Policy Holder's Name*
Policy Number*
Date of Birth
Date of Death
Intimating Person's Name*
Are you a NRI?*
Mobile Number*
Alternate Number
Address
State*
City
 
 
Pincode/ZipCode*
Country

DOWNLOADS

Critical Illness Claim Form
Death Claim Form
Death Claim Under Special Cases (Natural Disasters, Calamities, Bomb Blasts)
Pradhan Mantri Jeevan Jyoti Bima Yojana - Claim Form (English)
Pradhan Mantri Jeevan Jyoti Bima Yojana - Claim Form (Hindi)
Employer Certificate
Doctor's Certificate
Cancer Claim Form
Emeditek cashless request form
Claim Form A for Insured
Claim Form B for Hospital
HDFC Life Easy Health Claim form
Paramount cashless request form
Death claim form for MicroInsurance only
GTI Claim Form - (Employer - Employee)
Group Claim Form - (Non Employer - Employee - V 1.01)

FAQs

The documents required to process the claim are based on the cause of death are:

Sr. Document Name Natural Un-Natural Natural Disasters
i. Claims Form * with bank account proof
ii. Death certificate issued by the Government
iii. Claimant’s Residence & Identity Proof
iv. Original Policy Document
v. Police records attested by police authorities
vi. Post Mortem attested by hospital authorities
vii. Medical records for diagnosis and treatments
viii. Doctor’s / Hospital’s certificate (Form)*
ix. Employer’s certificate (Form)* if employed

✔ : Required Documents
✖ : Documents Not Required

Note

  • Unnatural cause would mean Accidental / Murder / Suicide.
  • Any document submitted in photocopy needs to be Originally Seen and Verified by HDFC Life employee.
  • * All the required forms are available on our website in “Download Form” tab under the following link - /customer-service/claims
  • Documents (i – iv) are only required where claims are submitted under following products - Pension Plans, Single Premium Whole of Life, Savings Assurance Plan, Immediate Annuity Plan.
  • Original Policy document will not be required for Group Claims.
  • HDFC Life may call for documents apart from the above (case specific).
  • Critical Illness claim form with bank account proof
  • Medical records viz. reports of diagnostic tests, hospital and treatment records for illness diagnosed
  • Original Policy Document
  • Claimant’s Identity & Residence Proof

Original cancelled personalized 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.

  • An Indemnity Bond should be submitted in lieu of Policy document which is lost. The indemnity needs to be executed on the stamp paper and duly notarized. The value of the stamp paper would be as applicable in the state.
  • The template for indemnity bond is available on our website in “Download Form” tab under the following link - website.hdfclife.tech/customer-service/claims

The claim amount is payable to the Policyholder / nominee / beneficiary / appointee / assignee under the Policy. Every Policy document clearly states the names against these roles.

Rule for payments Payee
In UL-Young Star / Children’s Plan Beneficiary
Proposed Policyholder is different from the Life Assured Proposed Policyholder
Policy is Assigned Assignee
None of the above Nominee (for death claims) / Life Assured (for living benefit claims)
Nominee is a minor Appointee

Note:

  • In case the life assured has changed the nomination / appointee. The death claim amount is payable to the latest nominee / appointee registered with the Company
  • In case the Policy is re-assigned, then the death claim amount is payable to the latest nominee / appointee registered with the Company
  • In case there are no nominations under the Policy the death benefits would be paid to the heirs of the deceased Life Assured. HDFC Life would seek Succession Certificate; if the successor is minor, then Guardianship Certificate

A claim can be submitted by:

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

  • As per the IRDAI 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.
  • NEFT payments would be made only in Indian Saving Bank Accounts or NRO Accounts.
  • Cheque would be issued if payment has to be deposited in NRE Account.
Type of claim Claim settlement turnaround time
Claim which does not requires an investigation 30 days from receipt of all relevant papers and clarifications required
Claim which requires an investigation 120 days from the date of lodging the claim
VIEW ALL Hide

The claim can be represented to HDFC Life within 30 days of receipt of the rejection letter on the following address:

Claims Review Committee
HDFC Standard Life Insurance Company Limited
5th Floor, ILFS Building, Plot No. C-22, G-Block, 
Bandra-Kurla Complex, Bandra (E), 
Mumbai – 400 051

If you are still not satisfied with the response provided by the Claims Review Committee, you could also approach the Insurance Ombudsman in your region. For address please visit the IRDAI website .

  • HDFC Life will send an acknowledgement letter within 10 days of receiving the documents.
  • In case there are any further requirements the same will be intimated via this letter, e-mail on your registered address and SMS on your registered mobile number.
  • A letter will be sent to the claimant informing them of the NEFT failure.
  • The payment will be processed on receipt of the fresh NEFT mandate along with the account proof.

HDFC Life will send a detailed rejection letter within 10 days of decision including the reason for the rejection of the claim.

The claims processing, communications and documentation will remain as mentioned in the links. We have provided enablers as mentioned below if the claimant is residing outside India.

  • If the claimant resides in Dubai, then claim documents can be submitted at our Dubai Representative Office.
  • Alternatively the claimant can email us the documents at claims@hdfclife.com (with subject line NRI Claim). The physical documents should be sent to the following address:

    Claims Department
    HDFC Standard Life Insurance Company Limited
    5th Floor, ILFS Building, Plot No. C-22, G-Block, 
    Bandra-Kurla Complex, Bandra (E),
    Mumbai – 400 051

The claim would be paid in Indian Currency (INR) only.

  • If the claimant provides a NRE account number then cheque would be issued and dispatched to the address.
  • A repatriation letter would be issued only if the premium towards the Policy has been paid from a NRE Account. Please submit the proof of premium payment via NRE account to enable us to issue a repatriation letter.

Claim Track Record for FY 2016 - 17

Watch How to make a claim online

call us
Mon-Sat 10 am to 7 pm
email
(For NRI customers only)
  • Full disclosures with respect to information requested in the proposal form.
  • Timely payment of premia on the due date.
  • Submission of NEFT details along with cheque copy to enable direct credit into your account.
  • Submission of the complete claims documentation & information requested at our nearest branch.

CUSTOMER SPEAK

About HDFC Life
HDFC Life is one of the leading life insurance companies in India
that offers a range of individual and group insurance solutions that meet various needs such as Protection, Pension, Savings & Investment, Health, Child and Women’s plans.
Many Families covered by
HDFC Life Term Insurance
  • We have honoured 97.62% Individual claims and 99.67% Group claims!*


    *The claim statistics is for Financial Year 2016 - 17 and is computed basis claims settled over total claims for the financial year (refer Public Disclosures in our Website for more details).

HOW CAN WE HELP YOU

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Email
nriservice@hdfclife.com

(For NRI customer only)

08000006607 for premium amount
08000006608 for premium amount with due date
08000006609 for fund value
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