Group / Employee Benefit Claims

Employer – Employee Claims

Documents required

Group Term Claim Form – to be filled, signed and stamped by Authorized Signatory of Master Policyholder
Death Certificate
Copy of Medico Legal Cause of Death certificate by the Doctor confirming the cause of death
KYC Document of Nominee
Bank details of Nominee (Personalized cancelled Cheque or Completed Bank Authorization Form, attested by the Bank, along with a self-attested copy of Passbook / Bank Statement with IFSC and Bank Account number mentioned thereon)

Non Employer – Employee (Lender-Borrower) Claims

Documents required

Group Term Claim Form – to be filled, signed and stamped by Authorized Signatory of Master Policyholder
Claim Form B - Medical Attendant Certificate to be filled, signed and stamped by the Treating Doctor
Death Certificate
Copy of all Medical / Hospital records (Admission Notes, Discharge / Death Summary, Test Reports etc.)
Application Form / Declaration of Good Health (DGH)
Direction of Claim Proceeds Form – to be filled by Nominee
Vernacular Declaration Form – to be filled by another person if Nominee is signing in vernacular
Original Certificate of Insurance
Loan Repayment Schedule & Loan Statement of Account
KYC Document of Nominee
Bank details of Nominee (Personalized cancelled Cheque or Completed Bank Authorization Form, attested by the Bank, along with a self-attested copy of Passbook / Bank Statement with IFSC and Bank Account number mentioned thereon)

Additional documents for deaths due to Accident, Murder or Suicide

First Information Report
Post Mortem Report
Newspaper cutting where available
Viscera Report / Chemical Analysis Report, where applicable
Final Police Investigation Report, where applicable

Non Employer-Employee (Non Lender-Borrower Claims)

Documents required

Group Term Claim Form – to be filled, signed and stamped by Authorized Signatory of Master Policyholder
Claim Form B - Medical Attendant Certificate to be filled, signed and stamped by the Treating Doctor
Death Certificate
Copy of all Medical / Hospital records (Admission Notes, Discharge / Death Summary, Test Reports etc.)
Application Form / Declaration of Good Health (DGH)
Direction of Claim Proceeds Form – to be filled by Nominee
Vernacular Declaration Form – to be filled by another person if Nominee is signing in vernacular
Original Certificate of Insurance
KYC Document of Nominee
Bank details of Nominee (Personalized cancelled Cheque or Completed Bank Authorization Form, attested by the Bank, along with a self-attested copy of Passbook / Bank Statement with IFSC and Bank Account number mentioned thereon)

Additional documents for deaths due to Accident, Murder or Suicide

First Information Report
Post Mortem Report
Newspaper cutting where available
Viscera Report / Chemical Analysis Report, where applicable
Final Police Investigation Report, where applicable

Employee Benefit Claims

Gratuity / Superannuation Claim Form – to be filled, signed and stamped by the Trustee

NOTES

The Insurance Company reserves the right to ask for additional documents/information.

Download Forms

FAQs
Process

FAQs

How do I report a claim?

Step 1: Claim Reporting

In case of death of the member under a Group policy, the Master Policy Holder needs to intimate the claim to RNLIC Claims team and the key account manager.

List of Mandatory Documents: Employer – Employee Claims

Group Term Claim Form (Authorized signature and seal by MPH)
Death Certificate*
Nominee KYC
Nominee Bank A/c Details
Cause of Death Certificate (Certified by attending medical officer / as mentioned in PMR)

Non Employer – Employee – Lender-Borrower Claims

Group Term Claim Form (Authorized signature and seal by MPH)
DGH / Application Form
Direction of claim proceeds form
Vernacular declaration form
Death Certificate
Nominee KYC
Nominee Bank A/c Details
COI (Certificate of Insurance in Original)
Claim Form B
Loan repayment schedule & Loan statement of account
Medical & hospitalization report reports if any If the cause of death is accident or suicide, additional documents required) PMR & FIR report

Non Employer -Employee – Non Lender-Borrower Claims

Group Term Claim Form (Authorized signature and seal by MPH)
DGH / Application Form
Death Certificate
Nominee KYC (If the claim is to be settled in favour of Nominee) Nominee Bank A/c Details (If the claim is to be settled in favour of Nominee)
COI (Certificate of Insurance in Original)
COI (Certificate of Insurance in Original)
Medical & hospitalization report reports if any
If the cause of death is Accident or suicide, additional documents required)
PMR & FIR report

Step 2: Claim Processing

On receipt of the Claim form and mandatory documents, RNLIC will assess the claim and take decision basis the merit of the case. If there is any requirement to be completed by the Claimant, RNLIC will intimate the same and once the requirement is completed, the Claim would be assessed.

Step 3: Claim Settlement

If the claim warrants an investigation, RNLIC will take the final decision/payment on the Claim within 45 days from the date of intimation of the claim
Non-investigated claims will be decided/paid within 15 days from the date of intimation of claim

What is the time frame within which the claim must be reported?

Ideally the Claim should be reported as soon as possible. This will help us settle the claim at the earliest. However, no claim is denied in view of delay in intimation.

How will I receive the claim amount?

Claim payments are made through a) National Electronic Fund Transfer (NEFT) b) Cheque

National Electronic Fund Transfer

Basis the bank details submitted by You
If you have submitted personalized cancelled cheque or bank statement /Bank passbook copy with last 6 months transactions
If your bank is participating in Electronic Fund Transfer clearance

Cheque Payment

When you have not submitted bank details prior to your due dates
If you have submitted non-personalized cancelled cheque or bank statement/Bank passbook copy which is not opened before 6 months
If your bank is non-participating in the Electronic fund transfer clearance

Process

Claim Intimation and Submission of Supporting Documents

Death Claim of a member is to be reported to the Master Policyholder along with supporting documents.
Master Policyholder will then send the claim to the Company (RNLIC) for further processing.

Claim Assessment and Processing

Claim documents and supporting documents will be scrutinized for completeness.
Additional documents, if any, will be triggered and communicated to Master Policyholder.

Claim Decision and Payout

On receipt of complete documentation, the claim will be decisioned.
In case of approved claims, the payment will be initiated within 3 working days.

Benefit Claims Process

Claim Intimation

Claim Forms signed by the Trustee to be sent to RNLIC through respective Key Account Manager.

Claim Processing

RNLIC Claims team will assess the claims basis the documents submitted and process the claim.

Claim settlement

Once the claim is approved, the payment will be initiated within 3 working days.

Employer – Employee Claims

Documents required

Non Employer – Employee (Lender-Borrower) Claims

Documents required

Non Employer-Employee (Non Lender-Borrower Claims)

Documents required

Employee Benefit Claims

NOTES

Download Forms

FAQs

How do I report a claim?

What is the time frame within which the claim must be reported?

How will I receive the claim amount?

Claim payments are made through a) National Electronic Fund Transfer (NEFT) b) Cheque

Process

Claim Intimation and Submission of Supporting Documents

Claim Assessment and Processing

Claim Decision and Payout

Benefit Claims Process

Claim Intimation

Claim Processing

Claim settlement

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