Understanding the Claim Process
At Canara HSBC Life Insurance, we understand the needs of our customers and ensure they get the best possible support in times of need. We have a team of dedicated professionals that offer customers the best-in-class service experience.
Our claim process is simple, convenient, and designed specially to settle all the claims without any hassles. The claim settlement ratio offered by Canara HSBC is 99.43%^ for individual claims.
Claim Process
Step 1: Claim Intimation & Registration
The Company has established various methods to assist claimants in registering death claims during their difficult time.
- Walk-In at Branch Offices: Claimants can visit any of our branch offices located across India
- Email and Courier Options: Claimants can send the required documents via email or courier
- Digital Submission via Mobile App: Claimants can use our Mobile App for a seamless digital submission process
Step 2: Documentation
Having the right documents ready can make the claim process smoother and faster. To facilitate the process, the Company has mandated the submission of the following minimal documents, which the claimant can provide at the above-mentioned touchpoints:
- Original policy document (if available)
- Original/attested copy of death certificate issued by local municipal authority
- Death claim application form
- NEFT mandate form attested by bank authorities along with a cancelled cheque or bank account passbook
- Nominee's photo identity proof such as copy of Passport, PAN card, Voter identity card, Aadhaar (UID) card, etc.
- Credit account statement & Loan account statement (in case of group credit life claims only)
Step 3: Processing & Settlement
We start the processing of claim once we receive the forms along with the relevant documents. In case of any clarifications/further requirements, we will get in touch with you.
Upon verification of the documents, if all the documents are as per the requirements, we will take the decision (subject to terms and conditions) and communicate the same.
Claims TAT
| Service | Maximum Turnaround Time |
|---|---|
| Settlement of Death Claims for which further investigation is not required | Within 15 days from the date of intimation of claim |
| Settlement or Rejection of Death Claims for which investigation is required | Within 45 days from the date of intimation of claim |
Insta Claim Key Requirements
- Policy should have completed 3 years before death with all premium paid
- All mandatory/required documents should be received at intimation stage
- Claim to be intimated before 3 pm between Monday to Friday (For claims received post 3 pm, the one day period will start next day)
- No verification/investigation required
- Claim amount on all (per life/person) eligible up to ₹1 Cr
Important Information
- All submitted KYC documents (Photo ID and address proof) should be certified by any of the following - an agent of the company, a relationship manager of the company, a branch manager of the distributing bank, a bank manager of a nationlised bank with appropriate stamp, a gazetted officer, a Headmaster, Principle of a Government school, a magistrate or an employee of the company.
- In addition to the above-listed documents, the company reserves the right to call for any additional documents.
- For more help and information on documents required, please feel free to contact us.
Documents Required for Processing Claims
- Individual Claims
- Health Insurance Claims
- Group Claims
Individual Claims
Mandatory Documents Required
- Original policy documents
- Original/attested copy of death certificate issued by local municipal authority
- Death claim application form (Form C)
- NEFT mandate form attested by bank authorities along with a cancelled cheque or bank account passbook
- Nominee's photo identity proof such as copy of Passport, PAN card, Voter identity card, Aadhaar (UID) card, etc.
Additional documents required on the basis of the cause of death
Medical/Natural death
- Physician's Statement (Form-P)
- Treating Hospital Certificate (Form-H)
- Employer (Form-E)/School College Certificate (Form-S)
- Hospital/Other treatment records
Accidental/Unnatural death
- Copy of the First Information Report (FIR) or Panchanama/Police Complaint
- Copy of Post Mortem Report (PMR)/Autopsy and Viscera Report
- Copy of the Final Police Investigation Report (FPIR)/Charge Sheet
Health Insurance Claim
Mandatory Documents Required
- Original policy documents
- Claim application form (Form C)
- NEFT mandate form attested by bank authorities along with a cancelled cheque or bank account passbook
- Photo identity proof of life assured such as copy of Passport, PAN card, Voter identity card, Aadhar (UID) card, etc
- Hospital certificate Form H
- Test/investigation report including all the clinical treatments like radiological, histological and laboratory test evidence (eg. 2D echocardiogram, treadmill test USG etc) as applicable
- Any report which gives us confirmation of diagnosis (heart attack – ECG, Cardiac Injury profile. CABG – Surgical notes and angiography report. Cancer – Histopathology report. Stroke – CT Scan, MRI report and Neurological opinion. Major Organ Transplant – Diagnosis report, Surgical summary, Discharge card/summary. Kidney – Biopsy report, Records of haemodialysis.
- If Life Assured is salaried, leave records of last 3 years from employer
Group Claim
Mandatory Documents Required
- Original policy documents
- Original/attested copy of death certificate issued by local municipal authority
- Death claim application form (Form C)
- NEFT mandate form attested by bank authorities along with a cancelled cheque or bank account passbook
- Nominee's photo identity proof such as copy of Passport, PAN card, Voter identity card, Aadhar (UID) card, etc.
- Credit account statement & Loan account statement (In case of group credit life claims only)
Additional documents required on basis of cause of death
Medical/Natural death
- Physician's Statement (Form-P) (Same as Individual Claims)
- Treating Hospital Certificate (Form-H) (Same as Individual Claims)
- Employer (Form-E)/School College Certificate (Form-S) (Same as Individual Claims)
- Hospital/Other treatment records
Accidental/Unnatural death
- Copy of the First Information Report (FIR) or Panchanama/Police Complaint
- Copy of Post Mortem Report (PMR)/Autopsy and Viscera Report
- Copy of the Final Police Investigation Report (FPIR)/Charge Sheet
Check Claim Status
Please provide the following information to check your claim status.
Current Status
Current Status
Pending Documents
We understand that sometimes important documents can get misplaced. This section helps you easily track any documents needed to complete your application or claim.
Introducing Claims Companion: Your Claims, Our Priority
A dedicated claim professional who will guide you through each step of the claim process to make your claims journey even smoother.
Fill in the details to know about your Claims Companion at the nearest Canara HSBC Life Insurance branch
Companion Details
Cluster Head
Contact Details
Email Address
Hear From Our Happy Customers
Contact Us
claims.unit@canarahsbclife.in
1800-891-0003
1800-103-0003
Frequently Asked Questions
A claim can be intimated by providing written information to us through -
Nearest Canara HSBC Life Insurance office
By sending written information at:
Canara HSBC Life Insurance Co. Ltd.
Claims Department,
139P, Sector 44, Gurugram – 122003, Haryana, India
Email at Claims.unit@canarahsbclife.in
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Life insurance offers the policy nominees a sum assured if the policyholder dies, provided the premiums are paid on time, and the policy is active. A contract is formed between the policyholder and the insurance company, entailing details such as the sum assured, premiums, frequency, policy tenure, nominee details, etc. These details are mutually agreed upon and calculated considering the need, a
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Canara HSBC Life Insurance Company LTD.
139P, Sector-44, Gurugram-122003, Haryana (India)
As per regulations, all valid claims are to be settled within 15 days from claim intimation. The Claim where further investigation is required may take upto 45 days to settle the claim. Subsequently when a decision is taken, it is communicated to the claimant.
All claims are examined and settled by the company on the basis of information present in documents submitted by you in connection with the claim. It is advisable to provide complete information to us for faster and smoother claims processing. The sooner the documents are submitted, the faster your claim will be processed. In case you need any clarification or assistance, you can contact our officials by calling us on,
If calling from India
1800-891-0003/1800-103-0003 (Toll-free),
Monday to Saturday - 9:00 AM to 6:00 PM IST,
Email :- customerservice@canarahsbclife.in.
or If
Calling from Abroad
+91 8071262755
Monday to Saturday - 9:00 AM to 6:00 PM IST,
Email Us at customercare.NRI@Canarahsbclife.in
For more details, please visit: https://www.canarahsbclife.com/customer-service/contact-details
In case of loss of policy document, the nominee has to submit indemnity bond(format available here).
In case of any query kindly you can contact our officials by calling us on,
Calling from India
1800-891-0003/1800-103-0003 (Toll-free),
Monday to Saturday - 9:00 AM to 6:00 PM IST,
Email :- customerservice@canarahsbclife.in
or if
Calling from Abroad
+91 8071262755
Monday to Saturday - 9:00 AM to 6:00 PM IST
Email Us: customercare.NRI@Canarahsbclife.in
For more details, please* or visiting the nearest Canara HSBC Life Insurance branch