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About this tool
Build the exact document list for a health, motor or life insurance claim and see the IRDAI settlement deadline for your case.
This checklist builder produces the document set an Indian insurer will ask for on a health, motor or life claim, adding conditional paperwork such as an FIR, implant sticker or post-mortem report only when your situation calls for it. It also applies the IRDAI settlement timelines — 15 days for a health reimbursement claim from the last necessary document, 30 days for a general insurance claim after the survey report, and 30 days for a life claim, extended to 120 days where an investigation is ordered. Claimants use it to assemble a complete file the first time instead of losing weeks to document queries.
Open Claim Settlement Document Checklist on AltFTool — it loads instantly in your browser.
Add your input to the workspace.
Adjust the options until the result looks right.
Copy or download the output and put it to work.
Extra documents appear only when the accident, implant or theft applies to you.
Converts the IRDAI timeline into a calendar date from your submission day.
Copy the ticked and unticked list into a message or note before you visit the branch.
Under the IRDAI master circular on health insurance, a reimbursement claim must be settled or rejected within 15 days of the last necessary document, with cashless authorisation decided within 1 hour of the request and discharge approval within 3 hours. A general insurance claim requiring a survey must be settled within 30 days of the surveyor's report, and a life claim within 30 days of receiving all documents.
The core set is the signed claim form, the original itemised hospital bill and payment receipts, the discharge summary, all investigation reports, prescriptions matching every pharmacy bill, a cancelled cheque and KYC. An accident adds the FIR or MLC papers, and any implant adds the invoice with its batch sticker.
The insurer must pay interest on the delayed amount at the bank rate plus 2% per annum from the date the claim became payable. If it is still unresolved, escalate to the insurer's grievance officer, then to IRDAI's Bima Bharosa portal, and then to the Insurance Ombudsman, which handles claims up to Rs 50 lakh free of cost.
No. Section 45 of the Insurance Act 1938 bars an insurer from calling a life policy in question on any ground after three years from the date of commencement, revival or rider addition. Within those three years the insurer may investigate and repudiate for proven fraud or material non-disclosure, which is why early claims attract extra document requests.