Lic No – 202 (IRDA/DB -188-03 /2018)
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All insurance contracts are based on the information provided by the insured in the proposal form with all KYC documents. Points to be taken care of while Claim procedure.

  • The loss or damage should be reported to the insurer immediately by the broker on behalf of customer.
  • On receipt of claim intimation, the insurer will provide a claim form to the insured.
  • Insured has to submit the completed claim form along with an estimate of the loss & required documents as mentioned in claim form to the insurer.
  • Where ever needed, the insurer will arrange for inspection of the damaged items to assess the loss. In case of major losses, a specialist-licensed surveyor is also deputed.
  • The insured has to provide the required documents to substantiate the extent of loss.
  • In case the cause of loss is not established, it is for the insured to prove that the loss or damage has occurred due to an insured peril.
  • Once the claim is approved based on scrutiny of the documents provided by insured, the amount is disbursed to insured.
  • Excess as stated as per the Policy terms and condition will be deducted from the claims payable.
  • Please note that the documents mentioned are indicative and based on the circumstances of the claim, insurer may request for additional documents.
  • In view of varied nature of policies, specific steps needs to be followed by the insured.

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