Death Benefits
Life Insurance Claims
Dedicated assistance for death benefit settlements and maturity payouts under LIC and private policies.
Claims Support
We handle your claim so you don't have to
The claim process is where most advisors disappear. We don't. From first notification to final settlement, we manage the entire process on your behalf.
Immediate Action
What to do in the first 24 hours
The first steps after an incident are critical. Here's exactly what to do — in order.
Call NKT first
Before calling the insurer, call or WhatsApp us. We'll guide you through the exact process for your specific policy and insurer.
Gather documents immediately
Collect the policy number, death/hospital/FIR certificate, and ID proof. Don't wait — many documents have short windows for submission.
Intimate the insurer formally
We help you submit the formal claim intimation in writing within the required time window (usually 24–48 hours for motor, 7–30 days for life and health).
Don't admit liability or sign anything
For motor and third-party claims: don't sign any document or admit fault at the accident scene. Let the insurer's legal team handle liability.
All Claim Types
Claims we handle & advise on
From individual terms to complex commercial coverage, we coordinate settlements across all key areas.
Cashless
Health Insurance Claims
Instant pre-authorisation handling for cashless treatment or seamless reimbursement file assembly.
Debt Cover
Loan Protection Policy
Settling outstanding home or personal loans directly through policies, keeping your family asset-safe.
International
Overseas / Travel Claims
Liaising with international TPAs for medical emergencies, luggage losses, or delays while abroad.
Cashless Repair
Motor Insurance Claims
Fast surveyor coordination, cashless garage routing, and zero-depreciation coverage verification.
Income Replace
Term Insurance
Critical support during the income-replacement filing process, ensuring maximum transparency for nominees.
Emergency
Accidental Claims
Filing personal accident benefit covers, permanent disability riders, and emergency cash claims.
Commercial
General Insurance
Assistance with commercial fire, marine, cargo, liability, and shopkeeper package policy settlements.
Step-by-Step Guides
Claim process by insurance type
Different policies have different processes. Here's the step-by-step for each.
Life Insurance Claims
01
Inform NKT and the insurer
Contact us immediately. We'll file the formal death claim intimation on your behalf within the required window.
02
Gather required documents
Original policy document, death certificate (attested), nominee's identity proof, relationship proof, and bank account details.
03
Submit the claim form
We help you fill the insurer's claim form accurately. Incorrect forms are the #1 reason for claim delays.
04
Insurer investigation
For claims within the first 3 years of a policy, insurers may conduct a brief investigation. We liaise with them throughout.
05
Claim settlement
Typically settled in 7–30 days after all documents are received. Proceeds are deposited directly to the nominee's bank account.
Health Insurance Claims
01
At admission — show health card
Show your insurer's cashless card or policy number to the hospital's insurance desk at the time of admission.
02
Pre-authorisation request
The hospital sends a pre-authorisation to your insurer. For emergencies, this happens simultaneously with treatment.
03
Insurer approval
Approval within 2–6 hours for emergencies, 24–48 hours for planned procedures. We follow up if there are delays.
04
Treatment proceeds
You receive care. The hospital and insurer communicate directly. You only pay excluded items (cosmetics, consumables if not covered).
05
Discharge and settlement
The insurer pays the hospital directly. You collect your discharge summary and leave. For reimbursement claims, submit bills within 15–30 days.
Motor Insurance Claims
01
Photograph everything at the scene
Take photos of vehicle damage, position, third-party vehicles, road conditions, and registration plates before moving anything.
02
File an FIR if required
For theft, third-party injury, or major accidents — file a police FIR within 24 hours. Most insurers require it for these claim types.
03
Intimate the insurer within 24 hours
We file the formal claim intimation on your behalf. Most policies require this within 24–48 hours of the incident.
04
Surveyor assessment
For cashless repairs: take the vehicle to a network garage. The insurer's surveyor assesses damage there. Don't start repairs before approval.
05
Repair and settlement
Cashless: insurer pays the garage. Reimbursement: submit original bills and repair receipts within 30 days of repair completion.
Prevention Guide
Why claims get rejected — and how we prevent it
Most claim rejections are preventable. Here's what to watch out for.
| Common rejection reason | How NKT prevents this |
|---|---|
| Non-disclosure of pre-existing conditions | Always disclose all health conditions, even minor ones, at the time of buying health or life insurance. |
| Claim filed after intimation window expired | Inform us and your insurer immediately after any incident — don't wait days or weeks. |
| Policy lapsed at time of claim | We send renewal reminders 45, 30, and 15 days in advance so your cover never lapses. |
| Cause of claim is in the exclusion list | We explain all exclusions clearly before you buy so there are no surprises at claim time. |
| Wrong or incomplete claim forms | We fill and review all claim forms before submission to ensure accuracy. |
| Driving without licence (motor claims) | Ensure the driver held a valid licence at the time of the accident. Allow no unlicensed driver to operate your vehicle. |
Claims questions answered
What to expect, how long it takes, and what to do if there's a dispute.
Need help with a claim right now?
Call or WhatsApp us immediately. We pick up during business hours and reply to claim WhatsApps within the hour.