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Waiver Of Premium Claim B

Waiver of premium in the case of disability of the Policy holder (Accidental Disability Guardian Rider) For Waiver of Premium claims where the Policy holder has availed of the Accidental Disability Guardian Benefit and the policy holder has become totally

Accidental Disability Guardian Claim
Documents to be Submitted*
Accidental Disability Guardian Claim
Mandatory Documents
Duly-filled Rider Claim Intimation Form
Original policy documents
Claimant’s photo, current address proof and photo ID proof
Supporting documents

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

Medical questionnaire/ physician statement to be completed by the doctor/ hospital treating the life insured

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

Copy of driving license if the life insured was driving the vehicle at the time of accident

Life insured’s copy of bank passbook / statement with Bank account Details
Disability certificate from the relevant government authority

Waiver Of Premium Claim


  • The Life Insured will have to undergo the required Medical Tests by the Company specified Doctors.
  • The Company should be intimated with the relevant details:
  • Within 30 days of the accident and
  • Within 120 days after the happening of disability with proof.
  • The Life Guardian Benefit, if availed, will cease automatically on the admittance of the Claim under the Life Guardian Benefit.
  • The Rider is subject to the conditions and the exclusions as laid down in the “Annexure ADG” to the policy contract.

Additional Information

  • All the documents submitted to us should be original or photocopies attested by a Gazetted Officer, SEM, Magistrate or a person of local standing, e.g. Sarpanch, Talathi, Tahsildar or Police Sub-Inspector.
  • All medical reports, documents and certification shall be issued by the attending physician and who is qualified to provide such document / certification according to the laws of India.
  • Depending on the facts and circumstances of the claim, the Company reserves the right to call for and request certain additional documents.
  • Kotak Life Insurance reserves the right to conduct and independent investigation / inquiry to be made into the bonafides of any claim where it is considered necessary.


These are just basic guidelines to assist in processing the claims faster. Please refer the Policy Contract for actual details.

The documents listed above are basic primary documents to be given for each claim. Based on the circumstances and the requirements of the case, the Company may require further / alternate documents as well.

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