Death Claim Process – Kotak Life Insurance

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Death Claim

In case of an unfortunate event, such as the death of life insured, the following standard documents need to be submitted to the Claims Department as part of the claims procedure:

Natural Death
Unnatural Death
Claim Under (Without Cover Plan)
Documents to be Submitted*
Natural Death Unnatural Death Claim Under (Without Cover Plan)
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

Settlement Option Form as applicable

Natural/Unnatural Death C/Unnatural Death Claim/Claim Under (Without Cover Plan)

Additional Information

  • All submitted documents must be the 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, Kotak Life Insurance reserves the right to call for and request certain additional documents.
  • Kotak Life Insurance reserves the right to conduct an independent investigation/inquiry to prove the authenticity of any claim where it is considered necessary.
  • Proof of legal title to the claim proceeds (e.g. succession certificate) in case there is no nominee
  • Copy of certified post post-mortem/chemical analysis report (viscera) applicable for natural death only if post-mortem is conducted
  • *Disclaimers

    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 submitted for each claim. Based on the circumstances and the requirements of the case, Kotak Life Insurance may require further/alternate documents.

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