Written by : Knowledge Centre Team
2025-12-28
885 Views
5 minutes read
Share
It’s not easy to come at terms with the passing away of someone you love. But, not getting the person’s life insurance death benefits on time can make your life even more difficult. If you are the sole breadwinner in your family, then your death will not just cause emotional but also financial damage to your family. That’s why it is important to buy a life insurance policy as this will safeguard you and your family financially in case of any unfortunate event or mishap. But, in order to get this protection, you will have to make a claim for it.
Remember, claiming an insurance policy is as important as buying one. To be well informed about your insurance policy and how to claim it are both closely connected. Therefore, after buying an insurance policy, you must do these two important things –
- Learn how to make a claim for your life insurance policy.
- Teach your loved ones about the process of filing a claim.
What are the types of life insurance claims?
Read on to know the two different types of life insurance claims -
- Maturity claim- In this type of claim, you file a claim to receive the maturity benefits once your tenure is over or your policy gets mature.
- Death claim- In case of the death of the policyholder, the amount of sum assured is received by the nominee mentioned by the policyholder in the policy document.
How to file a Life Insurance Claim?
Before you file a life insurance claim, here’re a few things you need to know -
- Inform your insurance company -The first and foremost thing you need to do is to inform your insurance company about the event or mishap to receive the sum assured. The beneficiary can reach out to the insurance company either by call or e-mail. This is the most convenient way to inform the insurance company at the earliest if you want to avoid further complications.
- Documents needed – Just as buying a policy requires certain documents, claiming a policy also requires documents. So, be prepared in advance with all the important essential documents. But before that, download the claim form from the insurance company’s website or collect it directly from the insurance company’s office. The claim form includes the following details such as policy number, name of the nominee, date and time of policyholder’s death, etc. In addition to filing up that form, you also need to submit some of the basic documents which includes death certificate of the policyholder, identity proof of the beneficiary, original copy of policy documents, etc. In case of an accidental or natural death, you need to submit an FIR and post-mortem report. Still confused? Here’s a complete list of documents required to file a life insurance claim:
- Original death certificate
- Original policy document
- Identification and age proof
- Proof of current address
- Bank account details of claimant
- Attested copy of FIR (in case of accident death)
- Duly attested post mortem report (in case of accidental death)
- Claim processing - Once the insurance company has received all the documents, afterwards, they will start with the claim settlement process. According to the guidelines shared by IRDA, the insurance company needs to settle all the claims within 30 days of having received all the policy documents. If your insurance company believes that a further investigation is required in the process, then it can take up to 6 months from the date of initiating the claim process.
- Avail the death benefits – There are many different ways to receive the death benefits. One is lump-sum payment and the other is annuity payment. With a lump-sum payment method, you will get the whole death benefit at once. In case of an annuity payment, the appointed nominee or beneficiary will get the death benefit in separate tranches rather than availing it in the form of lump sum.
If you follow these few simple steps and use the information wisely, then you will be able to get your claim within the timeframe you are seeking. Besides, if you are planning to buy a life insurance policy online, then choose to go with Canara HSBC Life Insurance; it offers comprehensive life insurance plan at affordable rates.
Secure Your Family’s Future with the Right Life Insurance Plan
Enter OTP
An OTP has been sent to your mobile number
Didn’t receive OTP?
Application Status
Name
Date of Birth
Plan Name
Status
Unclaimed Amount of the Policyholder as on
Name of the policy holder
Policy No.
Address of the Policyholder as per records
Unclaimed Amount
Sorry ! No records Found
Request Registered
Thank You for submitting the response, will get back with you.
Thank you for your interest in our product. Our financial expert will connect with you shortly to help you choose the best plan.
Disclaimer - This article is issued in the general public interest and meant for general information purposes only. The views expressed in this blog are solely those of the writer and do not necessarily reflect the official policy or position of Canara HSBC Life Insurance Company Limited or any affiliated entity. We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the blog or the information, products, services, or related graphics contained in the blog for any purpose. Any reliance you place on such information is therefore strictly at your own risk. You should consult with a qualified professional regarding your specific circumstances before taking any action based on the content provided herein.
Recent Blogs
5 Benefits of Gifting Life Insurance Cover to Your Spouse
09 July '26
1101 Views
8 minute read
Discover how gifting life insurance to your spouse supports financial security, protection and long-term family planning.
Read More
Life Insurance
How to Secure Your Future with Whole Life Insurance?
09 July '26
1026 Views
6 minute read
Discover how whole life insurance provides lifelong coverage and helps support long-term financial planning goals.
Read More
Life Insurance
Best Short-Term Investment Options with High Returns in 2026
08 July '26
1361 Views
12 minute read
Best Short-Term Investment Options in India. Find the top 10 short-term investment options with high returns for a short time.
Read More
Life Insurance
What is Deductible in a Life Insurance Plan?
08 July '26
1410 Views
8 minute read
Learn what is deductible in a life insurance plan and how it impacts your coverage. Get expert insights and guidance from Canara HSBC Life Insurance for better planning.
Read More
Life Insurance
Persistency Ratio in Insurance: Meaning and Importance
08 July '26
2868 Views
10 minute read
Know what the persistency ratio in insurance means, how it is calculated, why it matters for insurers and policyholders, and what it indicates about policy performance.
Read More
Life Insurance
What is Insurance? Meaning, Types & Benefits Explained (2026)
07 July '26
9340 Views
10 minute read
Understand insurance meaning, types, benefits & why insurance is important for financial security in India.
Read More
Life Insurance
PLI Interest Rate 2026: Updates, Key Features & Eligibility
07 July '26
1231 Views
9 minute read
Explore the latest PLI interest rates, bonus updates, and key features for 2026. Learn about policy types, eligibility, and benefits of Postal Life Insurance.
Read More
Life Insurance
Happy Father's Day 2026: Celebrate Every Father's Promise of Protection
20 June '26
33 Views
5 minute read
Celebrate Happy Father's Day 2026 by honouring every father's love, care and commitment. Discover how life insurance helps protect your family's future.
Read More
Life Insurance
What is an Insurance Coverage?
06 May '26
1404 Views
8 minute read
Learn what insurance coverage means, how it works and why choosing the right coverage is important for financial protection.
Read More
Life Insurance
Life Insurance - Top Selling Plans
We bring you a collection of popular Canara HSBC life insurance plans. Forget the dusty brochures and endless offline visits! Dive into the features of our top-selling online insurance plans and buy the one that meets your goals and requirements. You and your wallet will be thankful in the future as we brighten up your financial future with these plans.
Family Shield: Enhanced Protection
iSelect Smart360 Term Plan
- 3 Plan options
- Life cover till 99 years
- Steady income benefit
- Block your premium at inception
Start Young, Pay Less, Stay Secured
Young Term Plan
- Life cover till 99 years
- Coverage for spouse
- Block your premium rate
- Covers 40 critical illness
Fixed Returns, Zero Risks & Worries
iSelect Guaranteed Future Plus
- 4 Plan options
- Life cover + Guaranteed benefits
- Accidental death benefit
- Premium protection cover
Popular Searches
- Term Life Insurance
- Whole Life Insurance
- Critical Illness Insurance
- Accidental Death Benefit Rider
- Compare Life Insurance Quotes
- Best Life Insurance Companies In India
- Factors Affecting Life Insurance Premiums
- Life Insurance Rider
- Life Insurance Plans
- Types of Life Insurance
- Term Life Insurance Tax Benefit
- What is Insurance?
- Life Insurance Premium
- Life Insurance For Children
- Life Insurance for Seniors
- Whole Life Insurance Plans
- Group Life Insurance Plans
- Life Insurance Claim Process
- Tax Benefits of Life Insurance