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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.

  • FAQs
  • Process

FAQs

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.
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