This article is different from the others. Its purpose isn't to convince you of anything. It's to give your family a clear, practical checklist so that if they ever need to file a life insurance claim, they know exactly what to gather — without having to search for information while grieving.
Please save this page, share it with your spouse, or keep a printed copy with your insurance documents.
Documents required for a standard life insurance death claim in India:
1. Original policy document — the physical policy bond, or a duplicate if the original is lost (requires a separate application to the insurer).
2. Claim form — filled and signed by the nominee. Available on the insurer's website or at any branch.
3. Death certificate — original or certified copy issued by the municipal corporation or panchayat. This is the most critical document. Ensure it states cause of death clearly.
4. Nominee's identity proof — Aadhaar, PAN, passport, or driving licence.
5. Nominee's bank account details — cancelled cheque or bank passbook copy for claim payment.
6. Claimant's relationship proof — marriage certificate (for spouse), birth certificate (for child), etc.
For accidental death: additionally required — FIR copy, post-mortem report, police inquest report if applicable.
For natural death: attending physician's certificate or hospital records may be requested by the insurer.
The process: contact the insurer's claims helpline or nearest branch, submit documents, and the insurer is legally required to settle within 30 days of receiving all documents.