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Waiver Of Premium Claim A

A. Waiver of premium in the case of death of the Policy holder (Life Guardian Benefit Rider) For Waiver of Premium claims where the Policy holder has availed of the Life Guardian Benefit and the policy holder has passed away, future premiums as mentioned

Natural Death
Unnatural Death
Documents to be Submitted*
Natural Death Unnatural Death
Mandatory Documents
Duly-filled Death Claim Intimation Form
Original policy documents
Original death certificate issued by municipality or equivalent authority
Claimant’s photograph, current address proof and photo ID proof
Supporting documents
Claimant’s copy of bank passbook / statement with bank account details
Medical certificate stating cause of death

Medical records (consultation notes, treatment records, admission notes, hospital indoor papers, discharge/ death summary, investigation reports, etc)

Medical questionnaire

Copy of certified first information report/ inquest/ Panchnama (translation mandatory in the case of vernacular language)

#Copy of certified post-mortem report/ chemical analysis report (viscera)

Copy of driving license if the Insured was driving the vehicle at the time of accident

Waiver Of Premium Claim


  • Kotak Life Insurance must be informed of the insured’s death within one year of the occurrence of death.
  • The Accidental Disability Guardian Benefit, if availed, will cease automatically on the admittance of the Claim under the Life Guardian Benefit.
  • The Life Guardian Benefit Rider is subject to the conditions and the exclusions as laid down in the “Annexure LG” within the Policy Contract.
  • Copy of certified post-mortem report/ chemical analysis report (viscera) applicable for natural death only if post-mortem is conducted.

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