Term Insurance Claim

Navigate the unexpected, confidently with our dedicated claims support. From health emergencies to motor mishaps and life's uncertainties, our seamless process is designed to provide you with reassurance and swift resolution, ensuring you're supported every step of the way


Guaranteed Claim Support,
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Life can be unpredictable but your claims journey need
not be.

We will guide you from start till end in your claim journey. Start your claim process with us to get our support.

Life Insurance claim

Submit your details  and our dedicated team is ready to guide you through the process, providing support every step of the way. Your life, your claim – simplified for your peace of mind.

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How to Claim a Term Insurance Plan

Steps for Claiming Term Insurance

Step 1

The first step involves reporting your claim. You can report your claims online, at the insurance company’s branches, Paybima website, central office, etc., with the physical documents mentioned below to start the process.

Step 2

Once all documents are arranged, submit the same to the insurance company. The company’s special claim care team will assess your claim and inform you if any further documents need to be submitted. Post receiving all the necessary documents, the insurance company will process your claim request.

Step 3

The insurance company will then verify the claim by reviewing the documents submitted. They may also conduct an investigation if necessary. Once the claim is verified and approved, the insurance company will inform the nominee about the approval of the claim and the settlement amount. The settlement amount is generally paid to the nominee's bank account directly.

Documents for Claiming Term Insurance Policy

The nominee has to submit the following documents in order to receive the death benefit:


Claimant's statement form - download the claim form from Paybima.com


Original policy document


Copy of death certificate issued by the local municipal authority


Copy of nominee’s identity proofs such as Aadhar card, PAN card, passport etc.


Cancelled cheque/copy of bank passbook of the claimant


Copy of cause of death certificate


Prior medical records of insured/life assured


Medical attendants/hospital certificate issued by the doctor - download format form from the website


Medical records as proof of cause of death, case papers, test reports, etc.

In addition, below documents required for accidental/suicidal death:


Post-mortem report and chemical analysis report/viscera report


FIR/panchnama/ inquest report and final investigation report


Copy of driving license if the life assured was driving the vehicle at the time of the accident (applicable if the accident and disability benefit rider was added)

What can get your claims rejected?

Even if you buy the best life insurance in India with an efficient and clear system, there are still some reasons why a claim might get rejected. Before filing a claim, it’s important to be aware of the reasons for rejection:

Non-disclosure or misrepresentation of information

Not sharing vital information like medical conditions or risky hobbies.

Lapsed policy

Failure to pay premiums on time leading to policy lapse.


Policy not covering specific causes like drug-related deaths or extreme sports accidents.

Unable to provide relevant documents

Not providing nominee details or required documents.

Suicide clause

Insured's suicide within 12 months of policy start leads to claim rejection; suicide is covered after one year.

Paybima Goes an Extra Mile
to Help You with Insurance Claims

Processes Explained

At every step we will guide you with the processes

Reach out to Your Advisor

Your Paybima advisor will be there by your side till you get your claim.

Call us at 1800 267 67 67

You can reach us at our toll-free number for guidance on claim

Ask Anything as We Have Answers to Everything in Insurance

A term insurance claim is a procedure wherein the beneficiary of a term insurance policyholder files a request to the insurance company to release their claim amount or the life cover (sum insured) that the insurer must pay after the death of the policyholder during policy term.

The below documents are required to file a term insurance claim:

  • Duly filled claim form
  • Death certificate
  • Original documents of the term insurance plan
  • Beneficiary’s ID proof
  • Policyholder’s age-proof
  • Medical papers indicating the cause of death
  • Deeds of assignment/reassignments, etc.

As per the Insurance Regulatory and Development Authority of India (IRDAI) regulation, an insurance company is required to settle a claim within 30 days of receipt of all documents. However, depending on varied factors, a death insurance claim may be processed within 30 to 120 days of making the claim.

To ensure a hassle-free term insurance claim process, a beneficiary should make sure to keep proof of all the additional details of the policy. Also, make sure to submit all the papers and certificates correctly to get your claim approved without any hassle during the claim settlement process.

Once a term insurance policy pays the claim or death coverage, it gets terminated.