According to the LIC’s official social media post, “LIC of India expresses deep grief over the death of innocent citizens at Pahalgam and has announced special concessions to settle the Death Claim of the deceased, at the earliest. LIC of India stands firmly with the aggrieved family in their moments of grief, said Shri Siddhartha Mohanty, CEO & MD, LIC of India.”
Also read: No cashless claim in Max Hospitals in Delhi NCR for policyholders of CARE Health Insurance
Procedure for death claim settlement
The death claim is payable for policies where premiums are up to date or where death has occurred within the grace period.
To initiate the process of death claim settlement, the claimant must first notify the LIC servicing branch in writing, providing the policy number, date of death, and cause of death. Following this, the claimant is required to submit Claim Form A, which includes essential details about both the deceased and the claimant. A certified extract from the local death register must be provided as the official death certificate. The original policy document must also be submitted, along with proof of age for both the deceased and the claimant, such as an Aadhaar card or PAN card. In cases where the policy is not nominated or assigned, evidence establishing legal entitlement to the deceased’s estate is required. Finally, for the disbursement of the claim, the claimant must submit their banking details, including a duly filled NEFT form, a cancelled cheque, or a copy of their bank passbook.LIC’s health insurance claim rejection on grounds of alcohol consumption upheld by SC, know whyUpon receiving intimation of death, the servicing branch will request the following documents:
Essential documents and steps
Death Intimation: Notify the LIC servicing branch in writing with the policy number, date, and cause of death.
Claim Form A: Submit the claimant’s statement providing details of the deceased and the claimant.
Death Certificate: Certified extract from the local death register.
Original Policy Document: Submit the original policy bond.
Proof of Age: For both the deceased and the claimant (e.g., Aadhaar card, PAN card).
Nominee/Assignee Details: If the policy isn’t assigned or nominated, submit proof of legal entitlement to the estate.
Banking Details: NEFT form along with a cancelled cheque or copy of the bank passbook for electronic transfer of claim amount.
Additional Requirements for early death claims
(If death occurs within 3 years of the policy’s commencement, revival, or reinstatement)
Claim Form B: Medical Attendant’s Certificate detailing the last illness.
Claim Form B1: Required if the deceased received hospital treatment.
Claim Form B2: From the medical attendant who treated the deceased prior to the last illness.
Claim Form C: Certificate of Identity and Burial/Cremation, signed by a person of repute.
Claim Form E: Certificate from the employer, if the deceased was employed.
Police Reports: Certified copies of the First Information Report (FIR), Post-Mortem Report, and Police Investigation Report (in case of accidental or unnatural death).
These documents help LIC ensure that the claim is genuine and that no material facts were misrepresented at the time of policy issuance. They also assist in facilitating internal investigations, where necessary.
