Answer Book question
Intimate the insurer in writing promptly, then submit: claim form, original policy, death certificate, nominee ID and bank details, and cause-of-death documents (hospital records, FIR/post-mortem for accidental death). Insurers must settle or raise queries within regulatory timelines. Keep every acknowledgment.
Intimate the insurer in writing promptly, then submit: claim form, original policy, death certificate, nominee ID and bank details, and cause-of-death documents (hospital records, FIR/post-mortem for accidental death). Insurers must settle or raise queries within regulatory timelines. Keep every acknowledgment.
Natural death, nominee alive, policy in force: paid in 25 days. Accidental death abroad: attested certificate, FIR, and embassy documents. 8 weeks.
A death claim is a contractual payment; the insurer verifies the death, the policy status and the claimant. Early-claim policies (death within a few years of issue) get extra scrutiny.
Policy in force. premium record Nominee alive and identified Cause-of-death documents Policy age Regulatory timeline for settlement
Not intimating promptly, or sending documents without retaining copies.
Insurer branches across Kerala accept claims; Kerala Rising can assemble the file.
Claim filed week 3 after death; paid week 7.
Lapsed policies or misstatement in early years may be repudiated; see the rejection page.
Intimate in writing Assemble the file Track the timeline
How do I know whether an insurance policy existed? The insurer rejected our death claim. What can we do?
Health, disability & life events
RBI guidance on deceased depositors' claims and UDGAM portal · SEBI/AMFI transmission procedures · IRDAI claim guidelines · Kerala Registration and Revenue Department procedures for legal heirship · Indian Succession Act / Hindu Succession Act as applicable Rates, limits and whether you may qualify change. Confirm with the official source. Ask Kerala Rising: Start with a Family Asset Inventory. Send us what you know so far. even a name and a bank. and we will help you work through every place worth checking. WhatsApp +1 443 595 9000 · keralarising.com Kerala Rising › Family › After a death · After a death 14
This page is general orientation, not personal insurance, investment, medical, legal, lending, tax, or professional advice. Rules, rates, benefits, and claim or application decisions can change. Confirm the current position with the named official source and use a licensed or qualified professional where your situation requires one. Kerala Rising does not decide whether you may qualify, approve claims, or promise an outcome.