{"id":1471,"date":"2022-08-04T17:01:02","date_gmt":"2022-08-04T11:31:02","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=1471"},"modified":"2022-12-06T10:19:34","modified_gmt":"2022-12-06T04:49:34","slug":"top-5-reasons-for-death-claim-rejection","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/top-5-reasons-for-death-claim-rejection\/","title":{"rendered":"Top 5 Reasons for Death Claim Rejection"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/top-5-reasons-for-death-claim-rejection\/#Common_Reasons_of_Death_Claim_Rejection\" >Common Reasons of Death Claim Rejection:<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/top-5-reasons-for-death-claim-rejection\/#Here_is_a_genuine_case_where_Insurance_Samdhan_helped_the_family_of_the_deceased\" >Here is a genuine case where Insurance Samdhan helped the family of the deceased\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/top-5-reasons-for-death-claim-rejection\/#What_is_the_process_of_Death_claim\" >What is the process of Death claim?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/top-5-reasons-for-death-claim-rejection\/#Documents_needed_for_death_claim_in_Insurance\" >Documents needed for death claim in Insurance<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p>Death is somethivng which is an unpredictable event. It is always better to get a life insurance so as to financially secure future of loved ones. In case an unfortunate event occurs, nominee need to apply for a claim.<\/p>\n<p>However, it may happen that claim is rejected due to provisions of section 45 of Insurance Act.<\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/early-death-claims-under-section-45-of-the-insurance-act\/\"><strong>Section 45 of Insurance Act<\/strong><\/a>: If insured event occurs within 3 years of policy commencement or reinstatement then insured event need to investigate case to curb malpractices of a wrong entry among pool of policy holder.<\/p>\n<p>It is important to note that claim cannot be rejected after 3 years of-policy commencement or reinstatement on ground of non-disclosure of material facts. However claim can be rejected after 3 years on ground of fraud in insured event or involvement in criminal activity.<\/p>\n<p>Therefore, it is advisable to be aware of the reasons for claim rejection of early death before filling a death claim.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-1472 size-full\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/5-Reasons-for-Death-Claim-Rejection-e1659613663674.jpg\" alt=\"5 Reasons for Death Claim Rejection\" width=\"1080\" height=\"608\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/5-Reasons-for-Death-Claim-Rejection-e1659613663674.jpg 1080w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/5-Reasons-for-Death-Claim-Rejection-e1659613663674-300x169.jpg 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/5-Reasons-for-Death-Claim-Rejection-e1659613663674-1024x576.jpg 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/5-Reasons-for-Death-Claim-Rejection-e1659613663674-768x432.jpg 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Common_Reasons_of_Death_Claim_Rejection\"><\/span><strong>Common Reasons of Death Claim Rejection:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Non-disclosure of Material facts <\/strong><\/p>\n<p>Non-disclosure or concealing important facts, at the time of purchasing an insurance policy, might help you to get a policy and that too, at a lower premium, but at the time of death, your claim can be denied on the grounds of non-disclosure of material facts. Hence, it is necessary to give your correct details to your insurer. Given below are the list of material facts which should be declared with utmost honesty:<\/p>\n<ol>\n<li>Medical History \u2013 all information related to your health should be declared.<\/li>\n<li>Occupation \u2013 Nature of work is important and should be declared.<\/li>\n<li>Income \u2013 Sum assured has to be in proportion to your age and income earned. High sum assured to a person who is earning less will be considered as moral hazard.<\/li>\n<li><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/disclosures-in-proposal-form-of-insurance-for-habits\/\">Habits<\/a> \u2013 like alcohol consumption, tobacco, cigarette, etc.<\/li>\n<li>Family history \u2013 In case your parents are suffering from any critical disease or died early.<\/li>\n<li>Details of insurance policy: All details relating to application, rejection, lapse, premium paid, sum assured.<\/li>\n<li>Height and weight<\/li>\n<li>Travel history to dangerous countries like Sudan.<\/li>\n<li>Hobbies like adventurous sports like para gliding.<\/li>\n<\/ol>\n<p><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" border=\"0\" \/><\/p>\n<p><strong>Suicide <\/strong><\/p>\n<p>Claim is not payable if death has happened due to suicide in first year of policy commencement or reinstatement.<\/p>\n<p><strong>Unpaid-Premium<\/strong><\/p>\n<p>Claim can be rejected if premium is not paid but nominee must understand the following:<\/p>\n<ol>\n<li>In term insurance \u2013 there is a grace period of 30 days for policy under all mode except monthly mode where only 15 days grace is allowed. So claim is payable if death has happened under grace period but unpaid premium amount will be charged from the death claim.<\/li>\n<li>In ULIP \u2013 Same as term insurance<\/li>\n<li>Participating Plan \u2013 As per new IRDA rules, each Par plan generate a surrender value after 2 years hence reduced sum assured is applicable for all claims.<\/li>\n<\/ol>\n<p>Hence, it is important that all premiums are paid on time.<\/p>\n<p><strong>Nominee Details<\/strong><\/p>\n<p>Sometimes a policyholder forgets to provide or update the details of a nominee. It would be difficult for the insurer to identify the rightful person to give the claim money and therefore life insurance claim in death can be delayed because Insurance Company may demand Court Succession certificate.<\/p>\n<p>Nomination gives only a right to claim the money but nominee may not be a beneficiary. Hence, claims are delayed when there is a family dispute and company may demand court succession certificate.<\/p>\n<p><strong>Criminal Activity <\/strong><\/p>\n<p>Insurance companies may reject a claim if death has happened under a criminal activity.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Here_is_a_genuine_case_where_Insurance_Samdhan_helped_the_family_of_the_deceased\"><\/span><strong>Here is a genuine case where Insurance Samdhan helped the family of the deceased\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>A handicapped brother-in-law of Mrs. Saniya (for this blog only), purchased a life insurance policy and made Mrs. Saniya\u2019s daughter, his nominee.<\/p>\n<p>He has declared all his health condition at the time of policy commencement and insurance company accepted the Proposal. But insurance company rejected the death claim on ground of non-disclosure of health condition.<\/p>\n<p>Family tried but lost all hopes though life insured has taken insurance to secure financial future of the child. Subsequently, her daughter watched Shark Tank and learned about Insurance Samadhan. On June 22, 2022, her daughter approached us for help. We guided the mother-daughter to fight the case by helping them in writing mails with the required pointers and they received their claim money within 4 days.<\/p>\n<p><center><iframe width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/LY68eepXjz4\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/center><\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_process_of_Death_claim\"><\/span><strong>What is the process of Death claim?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>A nominee, a legal representative, a relative or any third person can give a death intimation of an insured to the insurance company. The company will give a claim form to the person. The person needs to fill the form and attach some documents before submitting it.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Documents_needed_for_death_claim_in_Insurance\"><\/span><strong>Documents needed for death claim in Insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>You needs to attach following documents with the notice:<\/p>\n<ol>\n<li>Death Certificate<\/li>\n<li>Original Policy Document<\/li>\n<li>Police FIR Report, if applicable<\/li>\n<li>Post-mortem Report \u2013 applicable only in case of unnatural death<\/li>\n<li>Hospital Records<\/li>\n<li>Age proof of deceased person<\/li>\n<li><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/everything-you-need-to-know-about-a-nominee-in-the-life-insurance\/\">Nominee Details<\/a> ( ID Proof)<\/li>\n<li>Bank details of nominee<\/li>\n<\/ol>\n<p>Attach these documents with a claim form given by the insurance company and then submit it. The company will verify the documents and investigate the death case. After successful investigation, the company will decide whether to accept it or deny the claim.<\/p>\n<p>If you have a similar issue related to insurance, you can reach us out on WhatsApp, e-mail or via our website. We would be really interested to guide you.<\/p>\n<p style=\"background: white; margin: 0cm 0cm 7.5pt 0cm;\"><span style=\"font-family: 'Arial',sans-serif; color: #333333;\">You can also<\/span><\/p>\n<p style=\"background: white; margin: 0cm 0cm 7.5pt 0cm;\"><span style=\"font-family: 'Arial',sans-serif; color: #333333;\">Visit our website:\u00a0<a style=\"outline: none; transition: all 0.14s ease 0s;\" href=\"https:\/\/www.insurancesamadhan.com\/\"><span style=\"color: #ff2828;\">insurancesamadhan.com<\/span><\/a><\/span><\/p>\n<p style=\"background: white; font-variant-ligatures: normal; font-variant-caps: normal; orphans: 2; text-align: start; widows: 2; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; word-spacing: 0px; margin: 0cm 0cm 7.5pt 0cm;\"><span style=\"font-family: 'Arial',sans-serif; color: #333333;\">Call us on +91 9513631312<\/span><\/p>\n<p style=\"background: white; font-variant-ligatures: normal; font-variant-caps: normal; orphans: 2; text-align: start; widows: 2; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; word-spacing: 0px; margin: 0cm 0cm 7.5pt 0cm;\"><span style=\"font-family: 'Arial',sans-serif; color: #333333;\">WhatsApp:\u00a0<a style=\"outline: none; transition: all 0.14s ease 0s;\" href=\"https:\/\/api.whatsapp.com\/send?phone=+919910998252&amp;text=Hi\"><span style=\"color: #ff2828;\">\u00a09910998252<\/span><\/a><\/span><\/p>\n<p style=\"background: white; font-variant-ligatures: normal; font-variant-caps: normal; orphans: 2; text-align: start; widows: 2; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; word-spacing: 0px; margin: 0cm 0cm 7.5pt 0cm;\"><span style=\"font-family: 'Arial',sans-serif; color: #333333;\">Mail us at\u00a0<a style=\"outline: none; transition: all 0.14s ease 0s;\" href=\"mailto:corporate@insurancesamadhan.com\"><span style=\"color: #ff2828;\">corporate@insurancesamadhan.com<\/span><\/a><\/span><\/p>\n<p style=\"background: white; margin: 0cm 0cm 7.5pt 0cm;\"><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><span style=\"font-family: 'Arial',sans-serif; color: #ff2828; background: white; text-decoration: none; text-underline: none;\">Click here<\/span><\/a><span style=\"font-family: 'Arial',sans-serif; color: #333333; background: white;\"><span style=\"font-variant-ligatures: normal; font-variant-caps: normal; orphans: 2; text-align: start; widows: 2; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; word-spacing: 0px;\">\u00a0to register your case with us<\/span><\/span><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\",\n  \"@type\": \"Article\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.insurancesamadhan.com\/blog\/top-5-reasons-for-death-claim-rejection\/\"\n  },\n  \"headline\": \"Top 5 Reasons for Death Claim Rejection\",\n  \"description\": \"Non-disclosure or concealing important facts, at the time of purchasing an insurance policy, might help you to get a policy and that too, at a lower premium, but at the time of death, your claim can be denied on the grounds of non-disclosure of material facts. Hence, it is necessary to give your correct details to your insurer.\",\n  \"image\": {\n    \"@type\": \"ImageObject\",\n    \"url\": \"https:\/\/i0.wp.com\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/5-Reasons-for-Death-Claim-Rejection.jpg?resize=640%2C360&ssl=1\",\n    \"width\": \"1920\",\n    \"height\": \"1080\"\n  },\n  \"author\": {\n    \"@type\": \"Person\",\n    \"name\": \"Shailesh Kumar\"\n  },\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"Insurance Samadhan\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/insurancesamadhan.com\/images\/logo.svg\",\n      \"width\": \"224\",\n      \"height\": \"47\"\n    }\n  },\n  \"datePublished\": \"2022-08-04\",\n  \"dateModified\": \"2022-08-20\"\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Death is somethivng which is an unpredictable event. It is always better to get a life insurance so as to financially secure future of loved ones. In case an unfortunate event occurs, nominee need to apply for a claim. However,&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/top-5-reasons-for-death-claim-rejection\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":1479,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[20,18],"tags":[51,24,30,50,17,52,53,54],"class_list":["post-1471","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-claim","category-life-insurance","tag-claim-denied","tag-claim-rejection","tag-death-claim","tag-death-claim-rejection","tag-health-claim-rejected","tag-life-insurance-claim","tag-life-insurance-claim-denied","tag-life-insurance-death-claim"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Top 5 Reasons for Death Claim Rejection - 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It is always better to get a life insurance so as to financially secure future of loved ones. In case an unfortunate event occurs, nominee need to apply for a claim. 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