HDFC Life Insurance Claim Assistance

HDFC Life Insurance provides coverage for various types of life insurance policies, including term insurance, endowment plans, ULIPs (Unit Linked Insurance Plans), and pension plans. The claim process may differ slightly depending on your policy type. Generally, HDFC Life Insurance settles your claims in five simple steps:

1. Intimation
2. Documentation
3. Claim Evaluation
4. Additional Requirements
5. Claim Settlement

• Initiating the Claim Process

  In the unfortunate event of the policyholder's demise, the claim process begins with notifying HDFC Life Insurance about the claim. The claimant, usually the nominee or the legal heir, should approach the nearest HDFC Life Insurance branch or contact their customer care helpline. Alternatively, you can initiate the claim process online through the HDFC Life Insurance website or mobile app.

• Documentation

  Once the claim is initiated, HDFC Life Insurance will guide you through the required documentation process. The documentation typically includes the following:

  • Claim Form: You must complete the claim form provided by HDFC Life Insurance. This form captures essential details about the policyholder, the policy, and the cause of death.
  • Death Certificate: A copy of the death certificate issued by the relevant authorities is necessary to validate the claim. Ensure that you have an original or certified copy of the death certificate.
  • Policy Document: Submit the original policy document to HDFC Life Insurance. This step is crucial as it helps establish the authenticity of the claim. Identity and Address Proof: Provide identity and address proof documents of the claimant/nominee, such as an Aadhaar card, PAN card, voter ID, passport, or driver's license.
  • Medical Records: In some cases, medical records or hospitalization documents may be required, especially if the cause of death is related to an illness or medical condition. These records help validate the claim and establish the cause of death.
  • Additional Documents: HDFC Life Insurance may request additional documents based on the specific circumstances of the claim. For example, if the death occurred due to an accident, an FIR copy or police report may be necessary. Providing accurate and complete documentation is important to ensure the claim settlement process is smooth.

• Claim Evaluation

  Once HDFC Life Insurance receives all the required documents, they will start the claim evaluation process. This includes verifying the documents submitted, assessing the policy's terms and conditions, and verifying the cause of death if required. HDFC Life Insurance has a dedicated team of claim settlement experts who handle the process efficiently and professionally.

• Additional Requirements

  HDFC Life Insurance may sometimes request additional information or clarification to process the claim. They may be required to provide additional documents to the claimant or nominee, explain the events leading to the insured's death, or answer specific questions related to the claim. Responding to these requirements promptly helps in expediting the claim settlement process.

• Claim Settlement

  Once the claim evaluation is complete and all the necessary requirements are fulfilled, HDFC Life Insurance proceeds with the claim settlement. If the claim is valid and all the conditions are met, HDFC Life Insurance will release the claim amount to the nominee or legal heir mentioned in the policy.

Below mentioned are the Factors to Consider While Filling a Claim Under HDFC Life Insurance:

Following are the documents that are required to initiate the HDFC Life Death Claim:

• Death Certificate issued by the government
• Original policy documents
• Death claim form
• Address proof
• PAN card
• Medical records
• Medical Certificate stating the cause of death
• Cancelled Cheque
• Bank Passbook

• Death Certificate issued by the government
• Death claim form
• Address proof
• PAN card
• Original policy documents
• Medical records
• Policy First Investigation Report
• Police Panchanama
• Post-Mortem report

• Death Certificate issued by the government
• Original policy documents
• Death claim form
• Address proof
• PAN card
• Cancelled Cheque
• Bank Passbook

• Critical Illness claim form
• Medical report
• Original policy documents
• Address proof
• PAN card
• Cancelled Cheque
• Bank Passbook

You can file your HDFC Life Insurance death claim via online and offline. Below mentioned are both the processes to file a death claim:

• Login HDFC Life Insurance portal
• Enter the details of the assured person
• Submit the nominee details
• Click on the “Request a Claim” button

• Download the claim form
• Collect all the required documents
• Visit the nearest HDFC Life Insurance branch
• Submit the claim form along with all the documents