Document Detail

Title: To Chairman/CEOs of Life Insurers
Reference No.: IRDA/LIFE/GDL/MISC/136/08/2019
Date: 15/08/2019
Guidelines on settlement of Life Insurance Claims to the victims of recent, Aug 2019

As a result of the heavy rains and floods, there are reports of loss of human lives and loss of belongings in many states such as Karnataka, Kerala,Maharashtra,Gujarat. In order to extend every possible facilitation in quick and timely settlement of life insurance claims, you are advised to take the following actions immediately in all the states affected by the recent floods.:


1.    Initiate immediate action to ensure that all reported claims are registered and eligible claims are settled expeditiously.

2.    With regard to claims involving loss of life, where difficulty is experienced in obtaining a death certificate due to non-recovery of body etc., the process followed in the case of Chennai floods in 2015 may be considered.

3.    A suitably simplified process/procedure including relaxations in the usual requirements wherever feasible may be considered to expedite claims settlement.

4.    Details of offices/special camps set up for the purpose may be publicized in the press, electronic media etc to enable immediate filing of claims. Details of such publicity activities may be sent to the Authority, immediately.

5.    The State-wise Progress report on the claims settled shall be sent to Authority in the format given below to email ids and on a weekly basis every Monday before 12.00 PM for data up to last working day of the previous week. PMJJBY claims data need to be submitted separately while including the same in total claims.



                                                                                                                                                                                                                                Chief General Manager (Life Insurance)


Format of Progress report on the claims settled for the week ending



Type of Claim

 Claims reported

 Claims settled


Amount (in lacs)


Amount (in lacs)


Individual Insurance

Death claims (including rider benefit if any)







Death Claims













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