Know About Claim

When should the intimation about an unfortunate event be given to us?

Ideally the claim documents should be submitted to us within a week of the unfortunate event.However,it for some unavoidable reasons the same cannot be done,then we should be informed as soon as possible.

What are different options available to inform us about the claim?

We have multiple options through which you can inform us about the claim.

Bank Branches	Visit any nearest Bank of Baroda or Andra Bank branch.
Online	Register the claim and even upload your claim documents in our 'Claims' section of our website www.indiafirstlife.com
Call Center	Call our Toll free No.1800 209 8700 and our representatives will guide you through the claim intimation process.
Sales Advisor	You may contact your sales advisor and hand over the claim documents. Your advisor's contact details are available in your policy document.
Courier	You may directly write and send the claim documents to our Claims Department at the following address- Claim department,Indiafirst Life Insurance Company Ltd.,301,'B' Wing,The Qube,Infinity park,Dindoshi - Film City Road, Malad(East),Mumbai -400097.

What documents are to be submitted for the processing of claim?

You need to provide following documents to us for your claims settlement

i. Completely filled and signed Claim intimation Form
ii.Copy of Death Certificate *
iii.Physician Statement
iv.Copy of Claimant ID & Address Proof *
v.Copy of Life Assured's age proof *
vi.Copy of claimant's Bank Passbook & Cancelled Cheque *
vii.Medical / Diagnosis Reports/ Discharge summary for the particular Treatment (In case death happened in Hospital) 

* Mandatory Documents for claim processing

In case of accidental death what additional documents are required to be submitted ?

You need to provide following additional documents in case of death due to accident.

i.Copy of First Information Report ( FIR ) *
ii.Copy of Post Mortem Report ( Autopsy ) *
iii.Copy of Panchnama ( Inquest Report ) *  

* Mandatory Documents for claim processing

How long does it take to settle a claim ?

The time taken to settle a claim depends on how soon we receive all the required information/documents. At IndiaFirst we try to settle claims within 48 hours of receiving all the required documents. In cases where we do not receive all the required/documents, we may take upto 15 working days from the date of receipt of the intimation.In case we need to investigate the matter,the time required for settling the claim could be extended.

How would the claim amount be paid?

All the payments are made through the National Electronic Fund Transfer(NEFT) only.Please do not forget to fill in the "Mode of Payment" section in the claim form.

What happens if the due premium is not paid?

It is important to pay your premiums on time to avoid policylapsation. No death benefit is payable in case of death when the policy has lapsed. In such a case we will only pay the Fund Value/Discontinued Fund Value,if any.

Under what circumstances is a claim repudiated/notpaid ?

All claims are assessed based on the declaration made by the life assured in the proposal form and/or the Declaration of Good Health.Claims may be repudiated if our verification shows -

i.That there has been a material suppression of facts (or in case any facts have been hidden)- age,medical,occupational,financial or habits which would have impacted the assessment of risk,if disclosed at the proposal stage.
ii.Documents submitted at the proposal/claims stage are not genuine/true.