Death Claim

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 EE CP MI
Certificate of Insurance EE CP MI
Original death certificate issued by municipality or equivalent authority EE CP MI
Nominee’s photo ID proof EE CP MI
Upfront beneficiary letter and Member Age Proof EE CP MI
Nominee confirmation with employer’s letterhead EE CP MI
Declaration of Good Health (DOGH) EE CP MI
Repayment schedule/ cover schedule EE CP MI
Supporting Documents
Nominee’s bank account details along with copy of bank passbook / statement EE CP MI
Medical certificate stating cause of death EE CP MI
Medical records (consultation notes, treatment records, admission notes, hospital indoor papers, discharge/ death summary, investigation reports, etc) EE CP MI
Medical questionnaire EE CP MI
Copy of certified first information report/ inquest/ Panchnama (translation mandatory in the case of vernacular language) EE CP MI
#Copy of certified post-mortem report/ chemical analysis report (viscera) EE CP MI
Copy of driving license if the Insured was driving the vehicle at the time of accident EE CP MI

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.