Tips To Claim Insurance
The PSU general insurance companies have put systems in place to expediate processing of claims for the 2018 Kerala Floods.
The insurers have contact details established to aid with claims processing. Here they are for your convenience (Source: The News Minute).
Claim hub: 9188044186
Email: [email protected]
Toll-free number 18002091415
Toll-free number 1800-11-8485
Email: [email protected]
Vehicle claims: 8921792522
Other claims: 9388643066
Email: [email protected]
Special teams have been set up in 14 district alongside officers to offer a special 24-hour assistance.
Trivandrum - 9482419551
Kollam - 9496301011
Palakad - 9447839123
Thrissur - 9447315770
Ernakulam - 8075947267
Kottayam - 9847167946
Idukki - 9895884618
Pathanamthitta - 9961993580
Alappuzha - 9746817205
Kozhikode - 9496710567
Wayanad - 9496220783
Kannur - 9496414055
Kasargod - 9447951431
Malappuram - 9446024966
Mahi - 9447468899
24x7 Helpline for Kerala - 8448180966
Regardless of whether you have purchased an insurance from them, PolicyBazaar is offering a 24x7 helpline to assist with the insurance claiming process.
Source: Business Standard
The claims process looks something like this:
First an intimation of claim by letter or mail will need to be given
immediately based on which a surveyor will be appointed for assessing
the loss.
The surveyor need to be provided with all documents like stock register,
purchases and sales register, balance sheet, etc.
The surveyor He will also see if the all items are insured and for the correct
value.
Accordingly loss assessment will be done.
If the amount insured is less than the actual value claim will be
proportionately reduced.
On receipt of survey report, claim will be settled.
If you have multiple kinds of insurance for different items (vehicle
insurance for vehicles, property insurance for household and posessions, etc)
it is recommended that you categorize what item is applicable to which policy
and then make a list of items that need to be claimed.
If your vehicle got submerged in water, take photos of it before towing it to
a workshop.
Take as many photos of your house as you can, so that you can cover different
items that have been damaged.
You can use photos of items inside your house before the flood as proof while
accounting for what has been lost.
If you have made any purchases online or otherwise have receipts that haven't
been washed away, these also help expediate the claims process.
Here's an article from News18 explaining the process to claim an insurance for motor and property categories: https://www.news18.com/news/india/irda-orders-insurance-firms-to-simplify-claims-procedure-for-kerala-flood-victims-heres-all-you-need-to-know-1848407.html. Here is another from The Indian Express.
Some corporations are offering free repairs and other services. Read
this article by The News Minute
to learn more.
Private Insurers have simplified documentation requirement for claims and have
said that a municipal death certificate, or death dertificate by any competent
government authority like local government of Kerala, armed forces, government
hospitals or police authority will suffice.
Bajaj Alliance Life has said “Death and disability claims for customers from
these States will be processed on priority, and the company will make best
efforts to settle maximum claims within 72 hours of claim registration”
Max Bupa has said they'd ensure all claims from Kerala get immediate attention
and all eligible claims are processed on a cashless basis and on a priority.
Source for the last 3 points: The Hindu Business Line Contributed by : https://github.com/wingedrhino
