Living Benefits / Rider Claims

Critical Illness / Major Surgical Benefit

Documents required

Claim Form A - Critical Illness / MSBR - to be filled by the Life Assured
Claim Form B – Medical Attendant Certificate to be filled, signed and stamped by the Treating Doctor
Copy of all Medical / Hospital records (First consultation notes, Certificate of Diagnosis, Lab Reports including Biopsy / Histopathology reports, if any, Admission and Discharge Summary)
Copy of Policy Document
KYC Document of Life Assured, if not provided earlier
Bank details of Life Assured (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)

Total & Permanent Disability Benefit

Documents required

Claim Form A - Total & Permanent Disability - to be filled by the Life Assured
Claim Form B - Medical Attendant Certificate - to be filled, signed and stamped by the Treating Doctor
Disability Certificate issued by Competent Authority
Copy of all Medical / Hospital records (Admission Notes, Discharge Summary and Test Reports)
Copy of Policy Document
KYC Document of Life Assured, if not provided earlier
Bank details of Life Assured (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)

Waiver of Premium on Parent

(in the event of death of the Parent – Proposer under the policy)

Documents required

Claim Form A – Waiver of Premium Payment – to be filled by the Nominee
Original Death Certificate of Proposer
All Medical / Hospital records of Proposer (Admission Notes, Discharge Summary and Test Reports, etc.)
Copy of Policy document
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)

NOTES

All the documents submitted to us should be in original or photocopies attested by a Reliance Nippon Life Insurance official.

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

Lodging or notification of claim or submission of claim forms and/or claim documents to the Company shall not be construed as an admission of liabilities of the Company.

No agent or official other than designated persons are authorized to admit any liabilities on behalf of the Company, nor to alter this list of documents or any claims requirements called for by the Company.

Download Forms

FAQs
Process

FAQs

What are the types of Rider Claims and how are Rider Claims processed?

Accidental Death Benefit (Applicable on Death - ADBR) – First Information Report and Post Mortem Report are mandatory documents)
Total and Permanent Disability (TPD) - Permanent Disability Certificate is compulsory and should survive from accident for 6 months
Critical Illness (CI) – Medical documents compulsory (Should Survive till 1 month and diagnosed post 6 months of RCD or reinstatement)
Major Surgical Benefit (MSBR) - As per terms & condition on illness and base Sum Assured Percentage are predefined in product)
Waiver of Premium on Parent Life (WOPP) – Future Premiums will be waived, and policy will be enforced

Process

3 Step Claim Process @ RNLIC:

Step 1: Claim Intimation and Submission of Supporting Documents

At all the RNLIC Branch Offices.
Directly to Claims Team at RNLIC Goregaon, Mumbai Office.

Step 2: Claim Assessment and Requirement for Additional Documents, if any

Claim documents and supporting documents will be scrutinized for completeness and adherence to policy terms and conditions.
Additional documents, if any, will be triggered and communicated to claimants within a stipulated turn-around time (TAT) of 3 Working Days.
If the Claim warrants an investigation, the same will be subjected to a Field Investigation and the Claimant will be updated about the same.
Dedicated Team to handle the claims and provide assistance to the Claimant through dedicated, toll-free Claims Helpline.

Step 3: Claim Decision and Payout

On receipt of complete documentation or completion of field investigation, as applicable, the claim decision will be informed to the claimants and approved claims will be processed for Payout.
For speed and ease, subject to availability of valid bank details, claims will be settled through electronic mode such as NEFT.
Else, the payment will be sent vide an account payee cheque at the customers’ address registered with the company.

Living Benefits / Rider Claims

Critical Illness / Major Surgical Benefit

Documents required

Total & Permanent Disability Benefit

Documents required

Waiver of Premium on Parent

Documents required

NOTES

Download Forms

FAQs

What are the types of Rider Claims and how are Rider Claims processed?

Process

Step 1: Claim Intimation and Submission of Supporting Documents

Step 2: Claim Assessment and Requirement for Additional Documents, if any

Step 3: Claim Decision and Payout

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