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Employees Life Advisor

 
Call us at: 022 66057292 / 93
Mail us at: kli.claimsmitra@kotak.com
SMS KLIFE to 5676788
Home> Policy Holders> Claims> Critical Illness Claim
Critical Illness Claim
In case of a Critical Illness Claim, the rider amount will be paid if the Life Insured is diagnosed to be suffering from any one of the twelve illnesses as specified in the Policy contract and the criteria as laid down for claiming the rider is satisfied. The following documents need to be submitted :
  • Duly Filled Claim Intimation Form
  • Original Policy Contract
  • Questionnaire to be completed by the Doctor / Hospital treating the Life Insured.
  • All related Medical Examination Reports in Original*, e.g.
    • Laboratory test reports.
    • X-Ray / CT Scan / MRI Reports & Plates.
    • Ultrasonography Report.
    • Histopathology Report.
    • Clinical / Hospital Reports.
    • Angiography Reports & Plates.
    • Others (as may be required for the particular illnesses).
* these can be returned back on request.
Note:
  1. The Company has a right to require medical examination of the Life Insured and confirmation of the diagnosis of an Insured Critical Condition by a medical practitioner appointed by the Company.
  2. The Claim for Critical Illness Rider benefit has to be lodged by the Life Insured within 30 days from the date of diagnosis.
  3. The CIB Rider gets terminated automatically on admittance of the CIB claim.
  4. The Rider is subject to the conditions and the exclusions as laid down in the "Annexure CIB" to the policy contract.
  5. The Rider is subject to the conditions and the exclusions as laid down in the "Annexure CIB" 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 Department
Kotak Mahindra Old Mutual Life Insurance Company Limited
7th Floor, Zone II, Kotak Infiniti, Building no. 21, Infinity I.T Park
Off Western Express Highway, Malad (E), Mumbai – 400097
Tel no : 022 - 66057292 / 66057293
Fax: 022 - 67425645
Email : kli.claimsmitra@kotak.com
It shall be our pleasure to serve you.
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Kotak Mahindra Old Mutual Life Insurance Ltd. A joint venture between Kotak Mahindra Bank Ltd. and Old Mutual plc.
4th Floor, Vinay Bhavya Complex, 159 A, CST Road, Kalina, Santacruz (E), Mumbai - 400 098

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