Tips To Claim Insurance

The PSU general insurance companies have put systems in place to expediate processing of claims for the 2018 Kerala Floods.

PSU Insurer Contact Details

The insurers have contact details established to aid with claims processing. Here they are for your convenience (Source: The News Minute).

National Insurance Co Ltd

  • Claim hub: 9188044186

  • Email:

New India Assurance Co Ltd

  • Toll-free number 18002091415

Oriental Insurance Co Ltd

  • Toll-free number 1800-11-8485

  • Email:

United India Insurance Co Ltd

  • Vehicle claims: 8921792522

  • Other claims: 9388643066

  • Email:

Life Insurance Corporation of India (LIC)

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

Standard Claims Process

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


  • 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.

Expediate the claims process

Things You Can Do

  • 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: Here is another from The Indian Express.

Services by Companies

  • 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 :

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