If Your Insurance Claim Is Delayed, What Can You Do?

A step-by-step guide for nominees navigating a claim. T&C Apply

Step 1: Submit All Required Documents

Death certificate, policy document, ID proof, and claim form; incomplete submissions are the #1 cause of delay. T&C Apply

Step 2: Get Written Acknowledgement

Always ask for a confirmation receipt once documents are submitted. This starts the official clock. T&C Apply

Step 3: Know the 30-Day Rule

IRDAI mandates insurers settle or reject a claim within 30 days of receiving all documents. T&C Apply

Step 4: Understand When It Can Extend to 45 Days

If your claim needs investigation, insurers get more time, but they must inform you and explain why. T&C Apply

Step 5: Track Every Communication and Check for Delay Interest

Keep records of dates, names, and responses. If the insurer crosses the mandated timeline, you're legally entitled to interest on the claim amount. T&C Apply

Step 6: Raise the Complaint With the Insurer’s Grievance Officer

Still stuck? Approach the insurer's grievance redressal officer with your documentation. T&C Apply

Step 7: Go to the Insurance Ombudsman

If unresolved, you can escalate externally to the Insurance Ombudsman for a fair, independent review. T&C Apply

Be Claim-Ready Before You Ever Need To Be

Keep policy details, nominee information, and documents up to date. It's the easiest way to avoid delays altogether. T&C Apply

Claim Support, Simplified

Canara HSBC Life Insurance helps nominees with easy claim guidance and simplified documentation. Explore claim support resources today! T&C Apply