Death Claim


A death claim is a request made by the designated nominee to release the claim amount under the life insurance policy.


The request can be made after the life insured dies during the policy term. The death claim request is made to the insurance company from which the policy is purchased.

It is a formal request made by the nominee. As per the limits set by the insurance regulatory body in India- IRDA, a death claim should settle within 30 days. The condition applies to the claims under which the insurer does not have to investigate the cause of death. If there is a delay in document submission, the claim processing will suffer, which further affects the death claim.

Some of the documents to be submitted for the death claim:

  • Claimant’s statement form form
  • Claim intimation form
  • Original policy document
  • Copy of death certificate
  • Claimant’s photo identification form
  • Cancelled cheque
  • Hospital certificate


Poorvi bought a Rs.1 crore term plan for a policy term of 20 years. She paid the premium for 15 years, after which she died in a car accident. Poorvi’s nominee, her daughter, filed for a death claim and submitted all the documents. The insurance company processed her death claim request and released the claim amount.