As a client of CommissionsFreeInsurance, you only need to call our friendly client servicing executives and we will guide you through the entire claim process. Briefly, below is a list of documents required to make a claim:

• notification of the death / disability / hospitalisation / surgery / critical illness of the life assured
  
  
• a completed claim form
  
  
• the policy contract
  
  
• evidence that the person is entitled to receive the payment (e.g. for death claim, you need to provide letters of administration or probate)
  
  
• evidence of the age of the life assured (e.g. birth certificate or identity card)
  
  
• death certificate (for death claim only)
  
  
• medical report from the last doctor who treated the life assured (for illness related claim, you may need to provide clinical, radiological, histological and laboratory evidences)

For disability coverage, you need to provide evidence of continuing disability before each payment.

For hospitalisation and surgical claim, you need to furnish the original medical expenses receipts/bills and all applicable documents within 30 days of the date of occurrence.

Do note that the insurance company has the right to ask you or your legal representative to provide more documents or evidence to help assess the claim.

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