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Documents required in Accidental Death Claim

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Transcription of the above video: Documents required in an accidental death claim

Hello, Shailesh here from Insurance Samadhan to help you out with your Insurance related queries. Today, I am writing about how to get the documentation done in case of Accidental death.

In the last blog, I shared with you that when the “moment of truth” arrives and the death arrives, how to get the documentation done while filing the claim if the death is under normal circumstances.

The other type of death is “Accidental Death”. Now what to do in Accidental Death, because it is called Unnatural Death.

First of all, inform your Insurance Company. The Insurance Company will provide a few documents to you and ask you to submit a list of documents.

And why are these documents important? Why does your Insurance Company need these documents? Because the death is unnatural and there is a need to get a police report done.

The insurance company will ask you for a police report on whether you have filed an FIR or not.

Secondly, because it is an unnatural death, a list of records will be made. A record is made at the “Place of death”.

Thirdly, since it is an unnatural death, a post mortem is conducted. And after that, the post mortem report, viscera report has to be submitted. These reports are mandatory to submit to know the cause of the death. 

Thus, if you submit all these documents properly, you will never face any challenge to receive your death claim from the insurer company.

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Death claims can be submitted by the nominee, the agent or any third person. Any of them can submit the death claim to the Insurance Company.

If you submit your documents properly along with every process, you will never face any problem in receiving your death claim.

List of documents required for the accidental death claim :

  • The death certificate
  • Original policy documents
  • ID proof of the beneficiary
  • Age proof of insurer
  • Discharge form (executed and witnessed)
  • Medical certificate (as proof of the cause of death)
  • Police FIR (in case of unnatural death)
  • Post-mortem report (in case of unnatural death)
  • Hospital records/certificate (if the deceased died due to an illness)
  • Cremation certificate and employer certificate (in case of early death)

You can also take the InsuranceSamadhan team’s help in filing the insurance claim.

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