{"id":1512,"date":"2022-08-09T15:49:53","date_gmt":"2022-08-09T10:19:53","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=1512"},"modified":"2022-11-17T10:25:18","modified_gmt":"2022-11-17T04:55:18","slug":"why-your-accidental-insurance-claim-may-get-rejected","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/why-your-accidental-insurance-claim-may-get-rejected\/","title":{"rendered":"Why Your Accidental Insurance Claim May Get Rejected?"},"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\/why-your-accidental-insurance-claim-may-get-rejected\/#Under_what_circumstances_are_insurance_claims_rejected\" >Under what circumstances are insurance claims rejected?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/why-your-accidental-insurance-claim-may-get-rejected\/#List_of_documents_required_for_accidental_insurance_claim\" >List of documents required for accidental insurance claim<\/a><\/li><\/ul><\/nav><\/div>\n<p><span style=\"font-weight: 400;\">Every person has a higher probability of death through accident rather than natural death. In our daily life, we are exposed to many risks which can take our life. Such incidents are uncertain and could happen with anyone. Here, <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/why-accidental-insurance-is-important\/\">Accidental Insurance come to the rescue<\/a>.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But first, we need to understand accident from insurance perspective:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Accident is an event which is sudden, unintended and causes bodily injury.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Accidental death means death which has been caused by an accident and proximate cause of death can be specified as visible unintended accident. Accidental death must have happened within 90 days of the accident. Though this period would depend on terms and conditions of your insurance policy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Accidental death is covered in Life Insurance and additional cover can be bought through accidental rider by paying extra premium.<\/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><span style=\"font-weight: 400;\">Rakesh had a life insurance of Rs 50 lakh and he has also bought an accidental death rider of Rs 50 lakh. Rakesh died in a road accident and his family got a claim of Rs 100 lakh on account of basic sum assured of Rs 50 lakh plus rider sum assured of Rs 50 lakh.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Accidental death cover can also be bought through General Insurance companies and should be an integral part of each individual insurance portfolio.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, it needs to be established that the death has happened due to an accident and there has not been any carelessness.<\/span><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-1514 size-full\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/Why-your-accidental-insurance-claim-may-get-rejected-New.png\" alt=\"why your accidental insurance claim may get rejected\" width=\"1120\" height=\"630\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/Why-your-accidental-insurance-claim-may-get-rejected-New.png 1120w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/Why-your-accidental-insurance-claim-may-get-rejected-New-300x169.png 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/Why-your-accidental-insurance-claim-may-get-rejected-New-1024x576.png 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/Why-your-accidental-insurance-claim-may-get-rejected-New-150x84.png 150w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/Why-your-accidental-insurance-claim-may-get-rejected-New-768x432.png 768w\" sizes=\"(max-width: 1120px) 100vw, 1120px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Under_what_circumstances_are_insurance_claims_rejected\"><\/span><b>Under what circumstances are insurance claims rejected?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">There are many circumstances where an accidental death does not qualify for claim, such circumstances are given below :<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\">If a life insured has been found under a consumption of alcohol or drugs. There are many road accident cases where police records and post mortem confirms the use of alcohol or drugs.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">If a life insured had an accident due to violation of law of land like cases of over speeding or crossing a busy road or going to a prohibitive area.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">If a life insured had participated in a criminal activity.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">If a life insured has participated in an adventurous sport.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">If a life insured has died during a riot or terrorist activity and he has gone there with the intention. However, claim will be paid in a riot or terrorist activity when life insured was there at home and was killed.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">If a life insured has consumed a prohibitive substance knowing its implications very well.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">To avoid such complications, the nominee needs a hand holding so that the right documents are submitted to the insurance company.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"List_of_documents_required_for_accidental_insurance_claim\"><\/span><b>List of documents required for accidental insurance claim<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">List of <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/documents-required-in-accidental-death-claim\/\">documents<\/a> are stated below:<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\">Death Certificate<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Police FIR confirming that death happened due to an accident and case has been closed.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">If the accident is doubtful then the insurance company demands a Final Closure Report.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Post mortem report<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Panchnama<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Any news item and photograph specially in road accident cases\u00a0<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Hospital report, if death has happened after some time. Here the hospital report needs to suggest that the proximate cause of death was an accident. For example, a heart patient had a road accident and had a heart attack . Now the question is, whether the claim is payable. In such a case, the claim will be paid because of the heart attack as a result of sudden shock.<\/span><\/li>\n<\/ol>\n<p><strong>click here &#8211; <\/strong><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/does-road-accident-death-cover-under-life-insurance-cover\/\">To know if accidental death is covered under life insurance policy.<\/a><\/p>\n<p><span style=\"font-weight: 400;\">Accidental death claim is a tedious and rigorous work which needs support of an expert and Insurance Samadhan specializes in this.<\/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\"><strong>Click here<\/strong><\/a>\u00a0to register your complaint with Insurance Samadhan<\/p>\n<p>You can also<\/p>\n<p>Visit our website:\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/\">insurancesamadhan.com<\/a><\/p>\n<p>Call us on +91 9513631312<\/p>\n<p>WhatsApp:<a href=\"https:\/\/api.whatsapp.com\/send?phone=+919910998252&amp;text=Hi\">\u00a09910998252<\/a><\/p>\n<p>Mail us at: <a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\n<p>&nbsp;<\/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\/why-your-accidental-insurance-claim-may-get-rejected\/\"\n  },\n  \"headline\": \"Why Your Accidental Insurance Claim May Get Rejected?\",\n  \"description\": \"If a life insured has been found under a consumption of alcohol or drugs. There are many road accident cases where police records and post mortem confirms the use of alcohol or drugs. If a life insured had an accident due to violation of law of land like cases of over speeding or crossing a busy road or going to a prohibitive area.\",\n  \"image\": {\n    \"@type\": \"ImageObject\",\n    \"url\": \"https:\/\/i0.wp.com\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/A-Guide-For-a-Life-Insurance-Lapsed-Policy4.jpg?resize=768%2C432&ssl=1\",\n    \"width\": \"1120\",\n    \"height\": \"630\"\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\": \"2022-08-09\",\n  \"dateModified\": \"2022-08-20\"\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Every person has a higher probability of death through accident rather than natural death. In our daily life, we are exposed to many risks which can take our life. Such incidents are uncertain and could happen with anyone. Here, Accidental&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/why-your-accidental-insurance-claim-may-get-rejected\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":1513,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[20],"tags":[31,33,29,34,30,32,16],"class_list":["post-1512","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-claim","tag-accidental-death","tag-accidental-death-insurance","tag-accidental-insurance","tag-accidental-insurance-policy","tag-death-claim","tag-death-insurance","tag-health-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Why Your Accidental Insurance Claim May Get Rejected?<\/title>\n<meta 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