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Death Claim

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

Natural Death
Unnatural Death
Employer – Employee EE
Credit Policies CP
Micro Insurance (Social Sector) MI
Documents to be Submitted*
Employer – Employee
Natural Unatural
Credit Policies
Natural Unatural
Micro Insurance (Social Sector)
Natural Unatural
Mandatory Documents
Duly-filled, stamped and signed Death Claim Intimation Form
Certificate of Insurance

Original death certificate issued by municipality or equivalent authority

Nominee’s photo ID proof
Upfront beneficiary letter and Member Age Proof
Nominee confirmation with employer’s letterhead
Declaration of Good Health (DOGH)
Repayment schedule/ cover schedule
Supporting Documents

Nominee’s bank account details along with copy of bank passbook / statement

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

Natural/Unnatural Death Claim

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.

  • Copy of certified post-mortem report/ chemical analysis report (viscera) applicable for natural death only if post-mortem is conducted

  • *Disclaimers
    These are basic guidelines to expedite the claims procedure. Please refer the Policy Contract for actual claims 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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