Please give details about the claim procedure of the e-Term plan of LIC. Can I claim it online or offline with any branch?
- Kulamani
You will have to claim it from a branch. Begin the process by informing LIC Branch office about the demise of policyholder. For contact details of specific branch office, follow the link: https://www.licindia.in/phone_helpline.htm# or go to 'Contact Us' on LIC homepage.
LIC will pay the death claim amount for all policies where premiums are paid up-to-date or where the death occurs within the days of grace for each premium. On receipt of intimation of death of the Life Assured, the Branch Office usually calls for the following:
- Claim form A - Claimant's Statement giving details of the deceased and the claimant.
- Certified extract from Death Register
- Documentary proof of age, if age is not admitted
- Evidence of title to the deceased's estate if the policy is not nominated, assigned or issued under M.W.P. Act.
- Original Policy Document
The following additional forms are called for if death occurs within three years from the date of risk or from date of revival/reinstatement.
- Claim Form B - Medical Attendant's Certificate to be completed by the Medical Attendant of the deceased during his/her last illness
- Claim Form B1 - if the life assured received treatment in a hospital
- Claim form B2 - to be completed by the Medical Attendant who treated the deceased life assured prior to his last illness.
- Claim Form C - Certificate of Identity and burial or cremation to be completed and signed by a person of known character and responsibility
- Claim form E - Certificate by Employer if the assured was employed person.
- Certified copies of the First Information Report, the Post-mortem report and Police Investigation Report if death was due to accident or unnatural cause.
These additional forms are required to satisfy insurer about the genuineness of the claim. Further, these forms also help insurer at the time of investigation by the officials of the Corporation.
This article was originally published on December 08, 2014.
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