ICICI Prudential Life Insurance Claim Process FAQs
ICICI Prudential Life Insurance Claim Process
Who is entitled to receive the claim benefit?
The benefit is paid to:
- The nominee mentioned in the policy
- The legal heir if no nominee is available
What is a claim form, and where can I get one?
A claim form is a mandatory document required to process the claim. It can be downloaded from the ICICI Prudential Life Insurance website or collected from the nearest branch
What factors determine the need for additional documents?
The insurer may request additional documents: Based on the documents submitted by you, the claim was reviewed by the claim assessor. Requirement for additional documents have been raised for the claim assessor to evaluate and decide the claim. Submitting these documents will only speed up the claim process.
- Cause of death
- Duration of the policy
- Involvement in medical treatment
- Legal and regulatory requirements
What happens if there is no nominee or the nominee has predeceased the policyholder?
In such cases, the claim benefit is paid to the legal heir as per succession laws. The claimant must provide legal proof of relationship with the deceased policyholder.
Why is it necessary to submit all required records and documents?
Providing complete and accurate documentation ensures faster processing of the claim. Missing documents may cause delays or rejection.
How will I receive the claim amount?
The claim amount is transferred via:
- Electronic transfer to the registered bank account of the beneficiary
- Cheque payment, if electronic transfer is not possible
Under what circumstances can a claim be rejected?
A claim may be declined due to:
| Reason | Example |
|---|---|
| Non-disclosure of information | Hiding pre-existing medical conditions |
| Policy lapse | Non-payment of premiums |
| Fraudulent claims | Misrepresentation of facts |
| Exclusions in policy | Death due to excluded reasons like suicide within policy exclusions |
What is the time frame to report a claim?
Claims should be reported as soon as possible after the event. Delays may require additional documentation
How do I raise concerns about a claim decision?
If you disagree with the claim decision, you can:
- Contact the Claims Department via email or phone
- Visit the nearest ICICI Prudential Life branch
- Write to the Grievance Redressal Team
Where can I send a written intimation to the claims department?
You can send claim-related written communication to the address provided on the ICICI Prudential Life Insurance website under the Claims Section.
How do I report a claim?
Follow these steps to report a claim:
- Online: Visit ICICI Prudential Life Insurance and submit the claim request.
- Branch Visit: Submit the claim documents at the nearest ICICI Prudential Life branch.
- Email: Send the required details to the claims department.
What documents are required to file a claim?
The required documents vary based on the type of claim (death, maturity, or health). Generally, you will need:
Mandatory documents required for claim registration:
- Duly filled and signed Claimant Statement Form
- Recent photograph of the claimant
- Copy of Death Certificate of the Life Assured, issued by government authority
- Claimant photo identity proof
- Claimant address proof (Any one of the following: Aadhar Card, Valid Passport or Driver's License, Voters ID are considered as proofs)
- Pan card / Form 60 of the claimant
- Copy of cancelled cheque / bank statement / bank passbook with printed account number and name of the claimant
- Duly filled and signed Payout mandate form with bank account details of the claimant
For a detailed list, refer to the Claim Documents Checklist on the website.
Where can I submit the claim documents?
Follow these steps to report a claim:
- Branch: Submit the documents at the nearest ICICI Prudential Life Insurance branch. To locate the nearest branch, visit www.iciciprulife.com/branchlocator
- Website: Upload the documents online in claims section of the website www.iciciprulife.com> claims > file a claim
- WhatsApp: Type ‘Claim' on WhatsApp number 9920667766 and get an option to check the claim status
- Mail us: Courier the documents to ICICI Prudential Life Insurance Limited. 9th Floor, B Wing, office No. 906, BSEL Tech Park, Opp. Vashi Station, Section 30,Vashi, Navi Mumbai 400706
Quick links