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We stand in solidarity with the families who have lost their loved ones in the floods in Chennai. For any assistance on claims, please call our toll free number 1800 209 8800 or email us at kli.claimsmitra@kotak.com                                                                IRDAI CAUTIONS PUBLIC AGAINST SPURIOUS CALLS AND FICTITIOUS OFFERS
Accidental Dismemberment Claim

Accidental Dismemberment Claim

Accidental Dismemberment Claim

For Accidental Dismemberment claims, if the member suffers from dismemberment as mentioned under the Policy Contract and the Policyholder/beneficiary proves the same to the satisfaction of Kotak Life Insurance, a percentage of this benefit will be payable.

The percentage payable depends upon the type of dismemberment stated under the scale of dismemberment mentioned in the Policy Contract.

The following documents need to be submitted:

Documents to be submitted*
Accidental Dismemberment Claim
  Employer – Employee Credit Policies Micro Insurance (Social Sector)*
Mandatory documents      
Duly-filled, stamped and signed Rider Claim Intimation Form
ü
ü
 
Certificate of Insurance  
ü
 
Life insured's photo ID proof
ü
   
Supporting documents      
Life insured's bank account details along with copy of bank passbook / statement
ü
   
Medical records (consultation notes, treatment records, admission notes, hospital indoor case papers, discharge/death summary, investigation reports, etc)
ü
ü
 
Medical questionnaire / physician statement to be completed by the doctor / hospital treating the Life insured.
ü
ü
 
Copy of certified first information report/ inquest/ Panchnama (translation mandatory in the case of vernacular language)
ü
ü
 
Copy of driving license if the life insured was driving the vehicle at the time of accident.
ü
ü
 
Disability certificate from the relevant government authority
ü
ü
 

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Note:
  • The life insured is required to undergo the relevant medical tests conducted by medical physicians specified by Kotak Life Insurance.
  • Kotak Life Insurance must be provided with the relevant details within 30 days of the accident.
  • The Accidental Dismemberment Rider is terminated automatically when the total payments of 100% of the benefit sum assured are admitted.
  • The Accidental Dismemberment Rider is subject to the conditions and the exclusions as laid down in the "Annexure Accidental Dismemberment" within the Policy Contract.

Additional Information:
  • All submitted documents must be the 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, Kotak Life Insurance reserves the right to call for and request certain additional documents.
  • Kotak Life Insurance reserves the right to conduct an independent investigation/inquiry to prove the authenticity of any claim where it is considered necessary.
*Not applicable for Social Sector

Disclaimers
These are basic guidelines to expedite the claims procedure. Please refer the Policy Contract for actual claims details.

The documents listed above are basic primary documents to be submitted for each claim. Based on the circumstances and the requirements of the case, Kotak Life Insurance may require further/alternate documents.



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