1. Filled-up claim form
2. Certificate of death
3. Policy document
4. Deeds of assignments/ re-assignments if any
5. Legal evidence of title, if the policy is not assigned or nominated
6. Form of discharge executed and witnessed

B. Life Insurance Maturity claim: Formalities When life insurance policy is maturing, the insurance company will send intimation to the policyholder along with a discharge voucher at least two to three months before the date of maturity. The policyholder has to sign the discharge voucher and send it back to the insurance company along with the original policy bond. Health Insurance Formalities:

1. Cashless basis

2. Reimbursement Claim

Cashless basis: For a claim on cashless basis, treatment must be only at a network hospital of the Third Party Administrator (TPA) who is servicing the policy. One has to seek authorization for availing the treatment on a cashless basis as per procedures laid down and in the prescribed form. Reimbursement basis: Before hospitalization, one should inform the insurance company. After hospitalization, one has to submit documents like claim form, discharge summary, prescriptions and medical bills with the TPA/Insurance Company. Travel Insurance Formalities: A travel insurance policy is a package policy which includes different types of covers like hospitalization, personal accident, loss/ damage to baggage, loss of passport and so on. The procedure and documents required for a claim would vary from cover to cover. All of them would be available in the policy document. For convenience, insurers normally attach the claim form with the policy document. This will contain the list of documents required in case of a claim and also the contact details including phone numbers of the claims administrator. Property Damage Formalities: For loss or damage to property including those due to theft, fire and flood, one needs to intimate to the police, the fire brigade and insurance company. Then Insurance Company will send a surveyor for surveying and assessing the loss. As per procedures, one needs to submit the claim form along with all documents (Will be available in the policy).  Motor vehicle Formalities: Claims under motor insurance policy

1. Third party damage: Personal injury or property damage of third party.
2. Own damage, insured and vehicle.
3. Theft of vehicle

Third Party Claim The accident should be reported immediately at police station as well as insurance company. If one is a victim, that is, if somebody else’s vehicle was involved, he must obtain the insurance details of that vehicle and make intimation to the insurer of that vehicle. Own Damage Claim Where own vehicle is damaged due to accident; one need to inform the police and insurance company, to enable them to send a surveyor to evaluate the loss. Do not attempt to move the vehicle from the accident spot without the permission of police and the insurance company. If policy provides for cashless service, the insurance company will pay the workshop directly. Theft Claim: If vehicle is stolen, one must inform the police, transport department and the insurance company immediately. One has to collect all required documents and submit them along with the requisite claim form duly filled in, to the insurance company. In this claim, one should surrender his vehicle key to the insurance company. One should go for risk profiling before buying insurance products. A fee only certified financial planner will give you thorough information about insurance products along with its features and processes.  A proper insurance planning is must for every individual.