| Death
of the Policy Holder
In case of Claims for Waiver of Premiums i.e.
where the Policy Holder has availed of the Life
Guardian Benefit and the policy holder has passed
away the future premiums, as mentioned in the
contract, will be waived. The following documents
need to be submitted :
Note:
1. The Company should be intimated of the death
within one year of the occurrence of death.
2. The Accidental Disability Guardian Benefit,
if availed, will cease automatically on the
admittance of the Claim under the Life Guardian
Benefit.
3. The Rider is subject to the conditions and
the exclusions as laid down in the “Annexure
LG” to the policy contract.
B. Disability of the Policy Holder
In case of Claims for Waiver of Premiums i.e.
where the Policy Holder has availed of the Accidental
Disability Guardian Benefit and the policy holder
has become totally and permanently disabled
the Basic Premium amount will be waived. The
following documents need to be submitted :
| Notes: |
| 1. The Life
Insured will have to undergo the required
Medical Tests by the Company specified Doctors. |
2. The Company
should be intimated with the relevant details
:
- within 30 days of the accident
and
- within 120 days after the happening
of disability with proof.
|
|
| 3. The Life
Guardian Benefit, if availed, will cease
automatically on the admittance of the Claim
under the Life Guardian Benefit. |
| 4. The Rider
is subject to the conditions and the exclusions
as laid down in the “Annexure ADG”
to the policy contract. |
Additional Information
- All the documents submitted to us should
be original or photocopies attested by a Gazetted
Officer, SEM, Magistrate or a person of local
standing, e.g. Sarpanch, Talathi, Tahsildar
or Police Sub-Inspector.
- All medical reports, documents and certification
shall be issued by the attending physician
and who is qualified to provide such document
/ certification according to the laws of India.
- Depending on the facts and circumstances
of the claim, the Company reserves the right
to call for and request certain additional
documents.
- Kotak Life Insurance reserves the right
to conduct and independent investigation /
inquiry to be made into the bonafides of any
claim where it is considered necessary.
Disclaimers
| 1. These are
just basic guidelines to assist in processing
the claims faster. Please refer
the Policy Contract for actual details. |
| 2. The documents
listed above are basic primary documents
to be given for each claim. Based on the
circumstances and the requirements of the
case, the Company may require further /
alternate documents as well. |
For any further assistance or information on
Claims do write to or Contact :
Claims Helpdesk
Kotak Mahindra Old Mutual Life Insurance Company
Limited
Claims & risk Control,
8th Floor, Godrej Coliseum,
Lokmanya Pan Bazaar,
Behind Evarard Nagar,
Sion (East), Mumbai - 400 022
Tel no : 6621-5170 and 6621-5171
Fax: 66215252
Email : kli.claimshelpdesk@kotak.com
It shall be our pleasure to serve you.
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