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Frequently Asked Questions
Insolvency and Bankruptcy
You must check and see whether or not there is availability of guarantee of return, what the lock in period is, details of premium to be paid, what would be implications of premium default, what the revival conditions are what the policy terms are, what are the charges that would be deducted, would loan be available etc.
Settlement option means the facility made available to the policy holder to receive the maturity proceeds in a defined manner (the terms and conditions are specified in advance at the inception of the contract).
The basic documents that are generally required are death certificate, claim form and policy bond, Other documents such as medical attendant's certificate, hospital certificate, employer's certificate, police inquest report, post mortem report etc could be called for, as applicable. The claim requirements are usually disclosed in the policy bond.
If your insurance company does not resolve your complaint to your satisfaction you can escalate your complaint to IRDAI. IRDAI will take it up with the insurance company concerned and shall facilitate re-examination of the complaint and resolution by the insurance company.If your complaint falls within the purview of the Insurance Ombudsman, as per the Ombudsman Rule, 2017, you may take up the complaint with the Insurance Ombudsman concerned. For disputes where inquiry or adjudication are required you should approach the appropriate Legal Forum.
If you are unhappy with your insurance company
? Approach the Grievance Redressal Officer of its branch or any other office that you deal with. mail To Grievance Redressal Officers, GRO, of all insurance companies
? Give your complaint in writing along with the necessary support documents
? Take a written acknowledgement of your complaint with the date.
? Approach the Grievance Redressal Officer of its branch or any other office that you deal with. mail To Grievance Redressal Officers, GRO, of all insurance companies
? Give your complaint in writing along with the necessary support documents
? Take a written acknowledgement of your complaint with the date.