What qualifies as an accidental death for insurance?

Insurance companies define accidental death as an event that strictly occurs as a result of an accident. Deaths from car crashes, slips, choking, drowning, machinery, and any other situations that can’t be controlled are deemed accidental. These riders are called accidental death and dismemberment (AD&D) insurance.

How do I claim an accidental death?

Accidental Death Claim

1. A fully completed Accidental Death Benefit Claim Form.
2. Death Certificate.
3. A medical report indicating the cause of death.
4. A written statement outlining the date, location and circumstances of the accident.
5. Police FIR copy.

What are mandatory requirements for death claims?

Documents that are required to be submitted along with above-mentioned forms include original death certificate, original policy bond, nominee’s PAN card, copy of either nominee’s Aadhaar card, voter ID, driving license or passport, and any ID proof of the deceased policyholder (preferably Aadhaar card).

How long do you have to file accidental death claim?

There is no time limit on life insurance death benefits, so you don’t have to worry about filling a claim too late. To file a claim, you can call the company or, in many cases, start the process online.

What happens if you have an accidental death insurance policy?

Accidental death policies usually offer extra benefits when the insured dies in an accident. If the insured had both a regular life insurance policy and an accidental death policy and died in an accident, the insurance company is obligated to pay both claims as long as none of the exclusions apply.

What do I need to make a death claim?

Approach the insurance company and obtain the claim intimation form. At the same time, you could also ask them for the necessary documents that you need to produce for the claim. For online insurance policies, you can apply online for the form. Generally, a death claim would require these documents:

What does a death certificate say about accidental death?

But if the death certificate said that the person died in a car accident, then the insurance company would treat the claim as an accidental death and cover it as such. In most states, the death certificate lists the cause of death.

Do you need an accidental death and dismemberment policy?

Having additional coverage doesn’t hurt, but realize that an accidental death and dismemberment policy is extremely specific and thus unlikely to pay a benefit. If you already have a life insurance policy, purchasing a larger benefit amount might not cost much more, and it will cover more circumstances with fewer exclusions.