Our claims process
We understand that this is a very difficult time for you. Our claims team will be by your side to help and take care of your requirements in 3 simple steps:
Hassle-free 3 days express claims settlement with Pratigya Kavach
Through our ‘3 Days Express Claims Settlement’ initiative, we will ensure a hassle-free claim settlement experience and will endeavor to pay eligible* claims in 3 days.
*For claims fulfilling the below eligibility criteria, we will pay claims in 3 days of receipt of last and complete claim documents as per Company’s requirement:
- Days are considered as Working Days
- Policy duration greater than three years without reinstatement
- Total claim amount payable of all policies is less than Rs. 20 lacs
- The claim does not require any field verification
- All required claim documents have been submitted by the beneficiary before 3 PM on working day (Saturday, Sunday, and Public Holidays are excluded)
- This is not applicable for claims intimated to us during the first six calendar days of the month
Applicable only for Death claims under Retail business
- Completely filled Death Claim Form
- Death Certificate (A)
- Original Policy Document
- FIR (A)
- Post-Mortem Report (A)
- Photo Identification Proof, Address Proof and Relationship Proof with Life Assured
- Original Cancelled Cheque bearing name
- Photocopy of Passbook or Bank Statement (Bank Attested) (not more than 3 months old)
- Last Medical Attendant’s Report
- Hospital Treatment Records
- Admission Note, Discharge/Death Certificate Summary from Hospital
- All Records from Date of Admission until Date of Death
- Cremation Certificate
- Newspaper Cuttings
- Police Inquest Report / Panchnama
- Final Police Investigation Report
- Critical Illness Claim Form
- All Past and Current Discharge Summaries
- All Past and Current Medical/Hospital Records / Consultation Notes / Admission Notes / Test Reports
- Form - Employer Certificate
In addition to the above listed documents, Pramerica Life Insurance Limited reserves the right to call for any additional documents. Submission of claim form/ any other documents should not be construed as acceptance of the claim.
Disclaimers: *
Individual death claims settled and reported in public disclosures for FY 2024-25 ^ As on September 2023.