Master Document Checklist for Any Claim
A comprehensive master checklist of documents required for every major type of insurance claim in India, from life to health to property.
No matter what type of insurance claim you are filing, missing even one document can delay your settlement by weeks. This master checklist consolidates the paperwork requirements for all major claim categories in India. Bookmark it, print it, and use it before submitting any claim.
Documents Common to All Claims
- Duly completed and signed claim form (type-specific)
- Original policy document or certificate of insurance
- Claimant''s KYC: Aadhaar card (or equivalent address proof), PAN card
- NEFT mandate with cancelled cheque or bank passbook copy
- Passport-size photographs (if required by the insurer)
Life Insurance — Death Claim
- Original policy bond
- Certified death certificate from municipal authority
- Nominee''s KYC and relationship proof
- For accidental/unnatural death: FIR, post-mortem report, panchanama
- For early claims (<3 years): treating doctor''s certificate, medical records, employer certificate
Health Insurance — Reimbursement Claim
- Discharge summary (original, hospital-stamped)
- All hospital bills, pharmacy bills, and diagnostic reports (originals)
- Treating doctor''s certificate and prescription
- Lab reports and imaging reports
- For accident: FIR / MLC report
- Pre-authorisation rejection letter (if cashless was denied)
Personal Accident Claim
- FIR and MLC report
- Post-mortem report (for death)
- Disability certificate from government doctor (for disability claims)
- Treating doctor''s certificate confirming cause of injury
- Employer''s certificate for TTD (loss of income) claims
Home / Property Claim
- Fire brigade report (for fire damage)
- FIR (for theft, burglary, or malicious damage)
- Photographs and videos of damage (taken immediately)
- Surveyor''s inspection report (prepared by insurer''s surveyor)
- Repair estimates from licensed contractors
- Purchase invoices for damaged or stolen contents
Travel Insurance Claim
- Boarding passes and ticket copies
- Passport copies (showing travel dates)
- For baggage: Property Irregularity Report (PIR) from airline
- For medical: treating doctor''s report, hospital bills, discharge summary
- For trip cancellation: vendor cancellation confirmations, non-refund certificates, reason evidence (medical certificate, death certificate)
Critical Illness Claim
- Specialist doctor''s diagnosis certificate mapping to policy definition
- NABL-accredited lab / biopsy reports
- Hospital discharge summary
- Confirmation that survival period (usually 30 days) has been completed
Practical Tips for Managing Claim Documents
- Create a dedicated folder (physical and digital) for each policy
- Photograph every document before submitting originals
- Always email or upload rather than hand-deliver — you need a timestamp
- Follow up in writing every 10 days until you receive an acknowledgement
Conclusion
The single biggest cause of claim delays in India is incomplete documentation — not complex disputes. A complete first submission almost always results in a faster, smoother settlement. For a personalised checklist tailored to your specific claim, TruePolicy advisors are available to walk you through exactly what your insurer needs.
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