• Filing an insurance claim can often feel overwhelming, but HDFC Life simplifies the process with multiple options for claim intimation and settlement. In this article, we’ll explore the claim procedures, necessary paperwork, and step-by-step guidance to ensure a hassle-free experience.

How Does HDFC Life Insurance Process Claims?

• HDFC Life offers three convenient ways for policyholders to initiate a claim:

1. Online Submission

• Policyholders can submit claims online via the HDFC Life website, streamlining the process for a quick, paperless experience. This digital option ensures faster processing and immediate claim acknowledgment.

2. WhatsApp Submission

• HDFC Life provides an innovative claim submission option via WhatsApp. Policyholders can:

• Scan the QR code provided by HDFC Life.
• Text “Death Claim” to +91-82918 90569 to start the process.

3. Branch Visit

• For those who prefer an in-person approach, claims can be submitted at the nearest HDFC Life branch. Policyholders can:

• Download the claim form from the HDFC Life website.
• Visit a branch and submit the completed form with supporting documents.

• Regardless of the method chosen, HDFC Life ensures that claim filing is a straightforward 3-step process designed for customer convenience.

Steps for Claiming Insurance Online

• Filing a claim online is faster, simpler, and paperless. Follow these steps to submit your claim digitally:

Step 1: Verify Policy Details

• Gather all relevant details from your policy document.
• Ensure you have information on the insured person, claimant, and contact details.

Step 2: Submit Life Assured Details

• Provide identification proof, medical certificates, and hospital discharge receipts.
• Attach any medical expense documents required for the claim.

Step 3: Provide Nominee Details

• Enter nominee information as per the claim settlement process.

Steps for Claiming Insurance Offline

If you prefer an in-person claim submission, follow these steps at an HDFC Life branch:

Step 1: Submit the Claim Form

• Download the claim form from the HDFC Life website or collect one from any branch.
• Fill in all necessary details carefully.

Step 2: Gather Supporting Documents

• Collect all relevant documents, such as identity proof, medical records, and policy details.

Step 3: Visit the Nearest Branch

• Submit the completed form along with the necessary documents.
• Use HDFC Life’s branch locator tool to find the nearest office.

Essential Documents for an Insurance Claim

To process an insurance claim, the following documents must be submitted:

Mandatory Documents:

✔ Death claim form (including NEFT details)
✔ Death certificate issued by the municipality
✔ Original policy document (if applicable)
✔ Claimant’s PAN card & ID proof
✔ Claimant’s address proof
✔ Personalized canceled cheque or bank passbook copy (showing account number & IFSC code)

Additional Documents Based on Claim Type:

For Natural Death Claims:

• Medical cause of death certificate
• Medical treatment records

For Accidental or Unnatural Death Claims:

• Post-mortem report
• FIR and Police Inquest Report
• Panchnama (Police Report)

For Death Due to Natural Calamities/Disasters:

• Death certificate
• NEFT details, PAN card, and bank details

For Critical Illness Claims:

• Critical illness claim form
• Hospital records & diagnostic test reports

Conclusion

Understanding the insurance claim process and required documents can help make the procedure smooth and stress-free. With multiple claim submission options—online, WhatsApp, or in-branch—HDFC Life ensures a hassle-free experience for policyholders. By following the simple steps outlined above, you can efficiently file a claim and receive a swift settlement.