How Life Insurers View Mysterious Death Claims

Suicide is not covered in the first year of the policy; however, if it happens after the first year the insurance company will pay the claim. To have a smoother claim experience in mysterious or unnatural death cases, it is advisable that the nominee gathers the past and current medical records (in case it is death owing to illness). For unnatural death, post-mortem report, FIR, newspaper clip if any, and final police investigation report should be kept ready. A parallel investigation is also carried out by the life insurance company before the claim payment.

Only after the insurance company has established that the death was natural and nobody was involved does it process the claim to the nominee.