FAQs

  • Which documents do I need to submit to file a Claim?

    Mandatory documents of Life Insured:

    • Completely filled Death Claim Form
    • Death Certificate (A)
    • Original Policy Document

    In case of Accidental Death

    • FIR (A)
    • Post-Mortem Report (A)

    Mandatory documents of Nominee:

    • Photo Identification Proof, Address Proof and Relationship Proof with LA (A)
    • Original Cancelled Cheque bearing name OR
    • Photocopy of Passbook or Bank Statement (Bank Attested/ OSV by PLIL Branch Operations) (not more than 3 months old)

    Additional documents that could help process Claims faster:


    For Non-Accidental Death Claim

    • Last Medical Attendantrsquos Report
    • Hospital treatment records (A)
      • Admission note, Discharge/ Death Certificate summary from Hospital/Nursing Home / Clinic etc.
      • All records from date of admission till date of death
    • Hospital Authority Letter
    • Cremation Certificate

    For Accidental Death Claim

    • Newspaper cuttings (A)
    • Police Inquest Report / Panchnama
    • Final Police Investigation Report

    For Critical Illness Claim

    • Critical Illness Claim Form
    • All past and current Discharge Summary
    • All past and current medical/ hospital records ndash consultation notes, admission notes and test reports

    For Salaried:

    • Employer Leave records for last year

    * (A) - Attestation - documents OSVed by a PLIL Branch Operations


    In addition to the above listed documents, Pramerica Life Insurance Limited (Erstwhile DHFL Pramerica Life Insurance Company Limited) reserves the right to call for any additional documents. Submission of claim form/ any other documents should not be construed as acceptance of the claim.

  • How does a Claimant communicate his/ her dissatisfaction with regards to his Claim Decision?

    For any clarification, complaint or dissatisfaction claimant / nominee can contact Grievance Redressal Procedure Customer Service Help Line: 1800-102-7070 (Toll Free) (9.30 am to 6.30 pm from Monday to Saturday)

    Email: contactus@pramericalife.in

    Website: https://pramericalife.in/ContactUs

    Communication Address:

    Customer Service,

    Pramerica Life Insurance Limited (Erstwhile DHFL Pramerica Life Insurance Company Limited),

    4th Floor, Building No. 9 B, Cyber City,

    DLF City Phase III, Gurgaon - 122002

  • What are IRDAI guidelines pertaining to Claim processing?

    As per IRDA (Insurance Regulatory Development Authority of India), the insurance company is required to settle a claim within 30 days of receipt of all requirements. However, if the claim warrants further verification, the Company should complete its procedures within 6 months from receipt of written intimation of the claim. If the Company settles the claim beyond 6 months period, interest is payable by the Company on the claim amount. The interest is payable only where the claimant has submitted all the requirements. Further, rate and period of interest are decided as per IRDA guidelines.

  • How will the claimant receive the Claim payout?

    As per IRDAI circular no. IRDA/FA/CIR/GLD/056/02/2014 dated February 13, 2014, all payouts made to customers need to be in the electronic form. Hence, we will disburse claim payments through NEFT

  • How will I be informed of my Claim decision?

    You will receive a letter from us on your communication address as soon as we decide on the claim

  • Will I need to submit additional documents?

    In addition to the listed documents, we may call for additional documents if a need arises

  • Why is it essential to submit all the records / documents as required by the Company?

    Claims are examined and settled by the company basis details present in the documents submitted by you. Hence, it is advisable to provide complete details and all documentation to us for faster and smoother claims processing.

  • Where should I submit my Claim documents?

    You can submit the claim-related documents to us at any of our Pramerica Life branches. You may find list of branches in the Locate Us section of our website

  • Where can I get the Claim form?

    • Download from Claims section of the website
    • Visit the nearest Pramerica Life branch
    • Talk to your Pramerica Life Insurance representative

  • The nominee is not alive. What should I do?

    Please provide a copy of the legal heir certificate for us to process the claim

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