Claim Procedures

MOTOR CLAIM PROCEDURE:

How to claim?

In the event of an incident giving rise to a claim under the policy, the following steps should be taken,

In case of accidental damage to the vehicle:

  •  Immediate intimation to the Insurers’ office, which will issue a Claim Form.
  • Claim Form duly filled in to be submitted along with copy of Registration Certificate and driving license of the driver of the vehicle at the time of accident as also estimate of repairs.
  • Vehicle will be surveyed by a Surveyor, appointed by the insurance company, who shall submit his report to the company. In case of a major damage to the vehicle, a spot survey, at the site of accident, would also be arranged by the company.
  • Final bills/cash memos are to be submitted duly signed by the insured.
  • Salvage of the damaged parts may be required to be deposited with the insurance company, if any, after approval of the claim.

In case of theft of the vehicle:

  • Lodge a First Information Report with the police immediately.
  • Inform the policy issuing office with a copy of FIR.
  • Submit the Final Police Report as soon as it is received.
  • Extend full cooperation to the surveyor and/or investigator appointed by the company.
  • After approval of the claim by the company, get the Registration Certificate (Bill Book) transferred in the name of the company, hand over the keys of the vehicle, submit a letter of Subrogation and Indemnity on stamp paper duly notarized.

In case of third party liability claim:

  • Inform insurance company immediately of any incident likely to give rise to liability claim.
  • On receipt of summons from District Administrative Office, and/or District Police Office etc. the same should be sent to the company immediately.
  • Claim Form duly filled in along-with copies of Registration Certificate, Diving License, FIR are to be submitted.

 

MARINE CLAIM PROCEDURE:

  1. Take immediate steps to minimize loss.
  2. Inform nearest office of the insurance company or claim settling agent mentioned on the policy (In case of claim on export shipment).
  3. In case of damage to goods whilst on ship or port, arrange for joint ship survey or port survey.
  4. Lodge monetary claim with carrier within stipulated time period.
  5. Submit duly assigned insurance policy/certificate along with the original invoice and other documents required to substantiate the claim such as:
  • Bill of Lading / AWB/GR
  • Packing list
  • Copies of correspondence exchanged with carriers.
  • Copy of notice served on carriers along with acknowledgment/receipt.
  • Shortage/Damage Certificate issued by carriers.
  1. Survey fees are to be paid to the surveyor appointed by the insurance company. These fees will be reimbursed along with the claim if the claim is otherwise admissible.

 

CATTLE CLAIM PROCEDURE:

  1. Immediate intimation to the Insurers’ office, which will issue a Claim Form.
  1. DOCUMENTS REQUIRED AND PROCESSING OF CLAIMS:
  • Claim Form duly filled by insured together with valid signed/Stamped
  • Claim Form duly filled by technical person with valid signed/Stamped
  • Surjamin muchulka
  • Tag
  • Clear photos of cattle together with mention tag
  • Cattle death certificate from relative district cattle service department with valid stamp/singed
  • Medical documents of concern cattle with medical bill

 

HOUSE AND/OR PROPERTY CLAIMS:

  1. Immediate intimation to the Insurers’ office, which will issue a Claim Form.
  2. Loss will be surveyed by a Surveyor, appointed by the insurance company, who shall submit his report to the company. In case of a major loss to the property, a Preliminary survey, at the site of loss would also be arranged by the company.
  3. Estimate of loss
  4. DOCUMENTS REQUIRED AND PROCESSING OF CLAIMS:
  • Copy of the relative Policy
  • Survey Report
  • Claim form duly completed by the insured
  • Police report, if necessary
  • Fire Brigade Report.
  • All other relevant documents to be determinant by the Claims Department in accordance with the nature and extent of losses and perils covered under the policy issued thereof.

 

 

MEDICAL CLAIM PROCEDURE:

After the all treatment is over you can submit following claim documents .

  • Claim form duly filled with stamp/singed (Provides by the company)
  • Doctor’s prescription, emergency ticket, original bills, all diagnosis report with x-ray.
  • Discharge summer (In case of hospitalization)

 

GROUP  PERSONAL  ACCIDENT  CLAIMS:

  1. Immediate intimation to the Insurers’ office, which will issue a Claim Form.
  2. DOCUMENTS REQUIRED AND PROCESSING OF CLAIMS:
  • Claim Form duly filled and signed/stamped
  • Doctor’s prescription, emergency ticket, original bills, all diagnosis report with x-ray.
  • Discharge summer (In case of hospitalization)
  • Attendance sheet together with valid stamp/signed
  • Salary sheet with breakdown and valid stamp/signed
  • Job card or appointment letter ( In case of unnamed insured)
  • Total disablement confirming by the concern Doctor (In case of permanent disablement)

In case of accidental death

  • Claim Form duly filled and signed/Stamped
  • Postmortem report
  • Ghatanasthal Muchulka Report
  • Copy of citizenship of death person
  • Copy of citizenship of nominee
  • Attested legal proof copy of Relationship Certificate
  • Death registration Certificate (Municipality)
  • Death Certificate from Hospital (in case of death in hospital)