Claim Process

Points to remember on Death Claim

• Death claim can be intimated by the claimant or any near and dear ones of the Life Assured via online, email or call
  
  
  
  
  
• List of required documents to settle claim are available online https://www.bandhanlife.com/claims/
• Claim documents can be submitted at claims@bandhanlife.com
• When customer shares claims documents at CC agent will share the documents looping claims id as well i.e. claims@bandhanlife.com along with claims team members Vadde Chiranjeevi, Rubina & Oavej Qureshi and CC Sweta Doshi
• If any additional requirements are raised, the claims team will contact the claimant for the same

• Once all the requisite documents are received, the claim will be classified as intimated and the Turnaround time (TAT) for claim decisioning as mandated by the Insurance Regulation and Development Authority of India under Policyholders’ Interests (PPHI) Regulations will be calculated

Death claim status

We would like to inform you that we have forwarded your concern to our claims team, and they will contact you in 5 working days.

For any additional information you may send us an email to   claims@bandhanlife.com

Death claim process

 Dear XXXX,

Thank you for writing to us.

This is with reference to your email dated 0000, regarding your <Plan Name> <Policy Number>

Please accept our heartfelt condolences. We are deeply saddened by your loss.

We would like to inform you that, to process your claim request we require the following documents.

Mandatory documents:

1. Duly filled claim intimation form (attached)
2. Copy of death certificate issued by local authority
3. Current identity proof & address proof of the nominee
4. PAN Card/ Form 60 of the nominee
5. Cancelled cheque/ Copy of bank passbook of nominee
6. KYC Documents of Life Assured

Documents in case of natural death/ death due to illness:

1. Medical cause mentioned in the death certificate
2. Complete Medical records (Admission notes & Discharge / Death summary & Test / investigation reports etc.) for any treatment taken at the time of death
3. Copy of medical records for any treatment taken in the past
4. Attending Physician Certificate (From the family physician or treating doctor) Hospital Treatment Certificate (from treating doctor during hospitalization)

Documents in case of accidental death:

1. Copy of FIR, Panchnama, Inquest report, Postmortem report
2. Obituary/ Newspaper cutting (if available)
3. Viscera / Chemical analysis report (if applicable)
4. Final police investigation report (if applicable)

Further, if you’re submitting Aadhar card then kindly mask first 8 digits of your Aadhar number

In case of any additional requirements our claims team will co-ordinate with you.

We request you to share the above-mentioned documents on  claims@bandhanlife.com

Once all the requisite documents are received, the claim will be classified as intimated and the Turnaround time (TAT) for claim decisioning as mandated by the Insurance Regulation and Development Authority of India under Policyholders’ Interests (PPHI) Regulations will be calculated

If you have any questions or need further assistance, please do not hesitate to reach out. We are here to support you on every step of the way.

Thank you for choosing Bandhan Life Insurance for your insurance needs.

You can also reach us through the following channels: 

• Chat now on WhatsApp: Click here or just send a Hi on 9867452226.
• Login to our iAssist portal: iAssist with your registered contact number to access your policy details and make the required changes.

 

Regards,

Customer Service
Bandhan Life Insurance Limited.

Points to remember on WOP

• The policyholder has been diagnosed with a critical illness and has chosen the waiver of premium option. They can contact us through email or phone for assistance.
• Claim documents can be submitted at claims@bandhanlife.com
• When customer shares any document on email. Contact center agent will forward those documents to the claims team @ claims@bandhanlife.com . Looping Vadde Chiranjeevi, Rubina & Oavej Qureshi and CC Sweta Doshi
• If any additional requirements are raised, the claims team will contact the policy holder for same
• TAT for claim settlement is 15 days for non-investigated and 45 days for investigated cases post complete documents are received to claims team by customer (This is just an additional information for agent)
• TAT we can inform to customer is once we have received the complete set of documents / information as required and a request is raised, within 15 – 45 days it will be processed
  
  

 Documents required: 

• Critical Illness Claim Application Form (Uploaded on KM portal under forms section)
• Critical Illness Attending Physician Statement (Uploaded on KM portal under forms section)
• Critical Illness Hospital Treatment Certificate (Uploaded on KM portal under forms section)
• First Consultation notes, Hospital Treatment Papers duly attested by the Hospital authorities, indoor case papers, discharge summary, investigation test reports, lab reports, surgical notes for the Treatment of Critical Illness
•  Employer certificate fully completed and signed/stamped by the employer of life assured if Life assured salaried (Uploaded on KM portal under forms section)

Drafts Section

Waiver of premium on critical illness rider status

Dear XXX,

Thank you for writing to us.

This is with reference to your email dated XXX, with regards to <Plan Name> <Policy Number>.

We would like to inform you that we have forwarded your concern to our claims team, and they will contact you in 5 working days.

For any further information, please feel free to drop an email on claims@bandhanlife.com .

If you have any questions or need further assistance, please do not hesitate to reach out. We are here to support you in every step of the way.

Thank you for choosing Bandhan Life Insurance for your insurance needs.

You can also reach us through the following channels:

• Chat now on WhatsApp: Click here or just send a Hi on 9867452226.
• Login to our iAssist portal: iAssist with your registered contact number to access your policy details and make the required changes.

Regards,
Customer Service
Bandhan Life Insurance Limited

Kapture Tagging

Case Category: Claim.

Case Reason: QRC Status_claim.

Sub Case Reason: Rider Related.

Status: Resolved.

Waiver of premium on critical illness rider claim process

Dear XXX,

Thank you for writing to us.

This is with reference to your email dated XXX, with regards to <Plan Name> <Policy Number>.

We request you to provide the following documents in order to proceed with your application for the waiver of premium rider benefit:

• Critical Illness Claim Application Form (attached)
• Critical Illness Attending Physician Statement (attached)
• Critical Illness Hospital Treatment Certificate (attached)
• First Consultation notes, Hospital Treatment Papers duly attested by the Hospital authorities, indoor case papers, discharge summary, investigation test reports, lab reports, surgical notes for the Treatment of Critical Illness
• Employer certificate fully completed and signed/stamped by the employer of life assured if Life assured salaried (attached)

If any additional documents / information is required, our claims team will reach out to you.

Please share the above-mentioned documents via email to claims@bandhanlife.com . Once we receive the complete set of documents / information, your rider claim request will be registered and processed within 15 - 45 days.

If you have any questions or need further assistance, please do not hesitate to reach out. We are here to support you in every step of the way.

Thank you for choosing Bandhan Life Insurance for your insurance needs.

You can also reach us through the following channels:

• Chat now on WhatsApp: Click here or just send a Hi on 9867452226.
• Login to our iAssist portal: iAssist with your registered contact number to access your policy details and make the required changes.

Regards,
Customer Service
Bandhan Life Insurance Limited

Kapture Tagging

Case Category: Claim.

Case Reason: Process Enquiry_Claim.

Sub Case Reason: Rider Related.

Status: Resolved.

Waiver of premium on critical illness if customer shared documents on customer care email id

Dear XXX,

We acknowledge the receipt of your documents.

This is with reference to your email dated XXX, with regards to <Plan Name> <Policy Number>.

We would like to inform you that your documents have been successfully forwarded to our claims team, if any further documents / information is needed, our team shall get in touch with you within the next 5 working days.

Please be rest assured that we are committed to processing your claim, and you can expect it to be completed within 15 – 45 days post we have received complete set of documents / information as required and a request is raised.

For any further information, please feel free to drop an email on claims@bandhanlife.com .

If you have any questions or need further assistance, please do not hesitate to reach out. We are here to support you in every step of the way.

Thank you for choosing Bandhan Life Insurance for your insurance needs.

You can also reach us through the following channels:

• Chat now on WhatsApp: Click here or just send a Hi on 9867452226.
• Login to our iAssist portal: iAssist with your registered contact number to access your policy details and make the required changes.

Regards,
Customer Service
Bandhan Life Insurance Limited

Kapture Tagging

Case Category: Claim.

Case Reason: Document Update_Claim.

Sub Case Reason: Rider Related.

Status: Resolved.

Claims Touch points and TAT

Claims Touch Point for Intimation:

• Customer/Nominee has following options to submit a claim under the policy:
• Customer can write to us at claims@bandhanlife.com
• Visit our nearest service center (https://www.bandhanlife.com/locate-service-center)
• Submit claim online (https://www.bandhanlife.com/claims/)

Send claim documents at our registered office at:

       Claims Department

       Bandhan Life Insurance Limited

       A - 201, 2nd Floor, Leela Business Park, 

       Andheri-Kurla Road, 

       Andheri (E), Mumbai - 400059

Claims TAT: