HDFC Life Insurance Claim Assistance

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  • 98.66% Claim Settlement Ratio
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HDFC Life Insurance is one of the leading life insurance companies in India, offering a wide range of life insurance products and services to its customers. When it comes to claiming your HDFC Life Insurance policy, the company provides comprehensive claim assistance to ensure a smooth and hassle-free experience. In this article, we will discuss the claim assistance process offered by HDFC Life Insurance and provide you with helpful information to help you navigate the claims process effectively.

HDFC Life Insurance Claim Process

HDFC Life Insurance offers financial protection to the loved ones of the policyholders in case of an unforeseen event of death or disability of the policyholder. So, buying a life insurance plan from an insurance company with a good claim settlement ratio and hassle-free claim process is always recommended.

HDFC Life Insurance has a claim settlement ratio of 99.72 in 2021-22 and a simple and hassle-free claim settlement process. Moreover, HDFC Life Insurance has a dedicated claim assistance team that helps policyholders at every step of the claim settlement process. The claimant/nominee needs to check a few things before initiating a claim:

  • Have all the premiums been paid or not
  • Does the condition for which the claim is filled is covered or not?
  • Policy Exclusions

HDFC Life Claims Process

HDFC Life Insurance provides coverage for various types of life insurance policies, including term insurance, endowment plans, ULIPs (Unit Linked Insurance Plans), and pension plans. The claim process may differ slightly depending on your policy type. Generally, HDFC Life Insurance settles your claims in five simple steps:

  1. Intimation
  2. Documentation
  3. Claim Evaluation
  4. Additional Requirements
  5. Claim Settlement
  • Initiating the Claim Process

    In the unfortunate event of the policyholder's demise, the claim process begins with notifying HDFC Life Insurance about the claim. The claimant, usually the nominee or the legal heir, should approach the nearest HDFC Life Insurance branch or contact their customer care helpline. Alternatively, you can initiate the claim process online through the HDFC Life Insurance website or mobile app.

  • Documentation

    Once the claim is initiated, HDFC Life Insurance will guide you through the required documentation process. The documentation typically includes the following:

    • Claim Form: You must complete the claim form provided by HDFC Life Insurance. This form captures essential details about the policyholder, the policy, and the cause of death.
    • Death Certificate: A copy of the death certificate issued by the relevant authorities is necessary to validate the claim. Ensure that you have an original or certified copy of the death certificate.
    • Policy Document: Submit the original policy document to HDFC Life Insurance. This step is crucial as it helps establish the authenticity of the claim. Identity and Address Proof: Provide identity and address proof documents of the claimant/nominee, such as an Aadhaar card, PAN card, voter ID, passport, or driver's license.
    • Medical Records: In some cases, medical records or hospitalization documents may be required, especially if the cause of death is related to an illness or medical condition. These records help validate the claim and establish the cause of death.
    • Additional Documents: HDFC Life Insurance may request additional documents based on the specific circumstances of the claim. For example, if the death occurred due to an accident, an FIR copy or police report may be necessary. Providing accurate and complete documentation is important to ensure the claim settlement process is smooth.
  • Claim Evaluation

    Once HDFC Life Insurance receives all the required documents, they will start the claim evaluation process. This includes verifying the documents submitted, assessing the policy's terms and conditions, and verifying the cause of death if required. HDFC Life Insurance has a dedicated team of claim settlement experts who handle the process efficiently and professionally.

  • Additional Requirements

    HDFC Life Insurance may sometimes request additional information or clarification to process the claim. They may be required to provide additional documents to the claimant or nominee, explain the events leading to the insured's death, or answer specific questions related to the claim. Responding to these requirements promptly helps in expediting the claim settlement process.

  • Claim Settlement

    Once the claim evaluation is complete and all the necessary requirements are fulfilled, HDFC Life Insurance proceeds with the claim settlement. If the claim is valid and all the conditions are met, HDFC Life Insurance will release the claim amount to the nominee or legal heir mentioned in the policy.

Factors to Consider While Filling a Claim Under HDFC Life Insurance

Below mentioned are the Factors to Consider While Filling a Claim Under HDFC Life Insurance:


Timely Intimation


Accurate Documentation


Policy Terms and Conditions


Communication and Follow-up


Seek Professional Assistance if Required

Documents Required to File an HDFC Life Insurance Death Claim

Following are the documents that are required to initiate the HDFC Life Death Claim:

In case of a Natural Death

  • Death Certificate issued by the government
  • Original policy documents
  • Death claim form
  • Address proof
  • PAN card
  • Medical records
  • Medical Certificate stating the cause of death
  • Cancelled Cheque
  • Bank Passbook

In Case of a Unnatural Death

  • Death Certificate issued by the government
  • Death claim form
  • Address proof
  • PAN card
  • Original policy documents
  • Medical records
  • Policy First Investigation Report
  • Police Panchanama
  • Post-Mortem report

In Case of a Natural Calamity/Disaster

  • Death Certificate issued by the government
  • Original policy documents
  • Death claim form
  • Address proof
  • PAN card
  • Cancelled Cheque
  • Bank Passbook

In Case of a Critical Illness Claim

  • Critical Illness claim form
  • Medical report
  • Original policy documents
  • Address proof
  • PAN card
  • Cancelled Cheque
  • Bank Passbook

How to File a Death Claim?

You can file your HDFC Life Insurance death claim via online and offline. Below mentioned are both the processes to file a death claim:

Online Claim Process

  • Login HDFC Life Insurance portal
  • Enter the details of the assured person
  • Submit the nominee details
  • Click on the “Request a Claim” button

Offline Claim Process

  • Download the claim form
  • Collect all the required documents
  • Visit the nearest HDFC Life Insurance branch
  • Submit the claim form along with all the documents