99.21%*
*Annual Audited Figures submitted to IRDAI FY 2025-26
Guaranteed Settlement Within 1 Day*
Dedicated
Claim Handler
This is our 3-step claim process
Claim Registration
Walk in to your nearest
Our expert will call you
Email us at
Call US
Claim Online
*Claims intimated through these modes will be considered as verbal intimation. Claim will be formally registered only when written intimation is received.
Claim Evaluation
- Our claim specialist will assess the claim.
- We will reach out via SMS, Call or letter in case we require any further information or documentation.
- For all eligible ULIP contracts, Fund Value accrued under the policy is paid to the nominee within 48 Hours from receipt of claim intimation. Click here to know more.
Claim Settlement
- We target to process all claims within 5 working day
- However, if the claim requires an investigation, the regulator gives the insurer up to 45 days to make a claim decision.
Guaranteed death claim settlement in 1 working day*
At Bharti Life Insurance, we have remained steadfast in keeping our promises. This has driven us to follow a ‘customer-first’ approach. We have always strived to make positive differences in the lives of our customers.
Therefore, apart from providing a stellar claim settlement ratio, we also ensure that we settle death claims within one working day.
*T & C
- Applicable for Death Claims under Retail business.
- The policy/policies have to be active for 3 continuous years.
- All the mandatory documents have to be submitted at your preferred branch before 3 PM on a working day.
- Day 1 would be counted from the day on which all pending documents are received.
- The total claim amount of all the policies should be less than or equal to Rs 50 lakhs.
- Claims guarantee program is applicable only for non-investigative death claims.
- This guarantee is not applicable for the claims received during the first 6 days of the month.
Payment of interest on claim amount for delay of each day beyond 1 working day*
Delay in processing a death claim can be distressing for the beneficiary, especially if the policyholder who passed away was a breadwinner.
Despite our best efforts, if the nominee doesn’t receive the death claim on time, we compensate the beneficiary by paying interest on the claim amount for delay of each day beyond 1 working day.
Inform Claim Online
Claims informed online will be considered as verbal intimation. Claim will be formally registered only when written intimation is received at Bharti Life Insurance Branch. This is applicable for Death Claims under Retail business.
Fill in the required details
Claimant needs to fill in their relevant details along with Life Insured details in the respective section.
Generate OTP
OTP will be triggered on the claimant's email address and mobile number for further confirmation.
Verify
Claimant needs to fill in the correct OTPs for successful authentication in order to do online claim intimation.
Details of Life Insured
Details of Claimant
By submitting this death claim intimation, I affirm that all information and documents provided are genuine and accurate to the best of my knowledge and belief.
I understand and acknowledge that the Company may collect, access, use, process, store and retain my personal information and documents relating to me and the deceased life assured, including health and medical information where applicable, for the purposes of processing, verifying, investigating, adjudicating and settling the claim, preventing and detecting fraud, complying with applicable laws and regulatory requirements, and defending or enforcing its legal rights.
I further acknowledge that the Company may obtain, collect, disclose, verify and exchange my personal information and claim-related information and information relating to the deceased life assured, to the extent necessary, with its group companies, reinsurers, service providers, investigators, verification agencies, legal advisors, auditors, banks, medical institutions, statutory or regulatory authorities, law enforcement agencies, and other third parties engaged by the Company or as required under applicable law, solely for purposes connected with the claim.
I undertake to cooperate with the Company and provide such additional information or documents or declarations as may reasonably be required for processing or investigating the claim.
I acknowledge that I have read the company’s Data Privacy policy available on the website (https://www.bhartiaxa.com)
What are the documents required, when submitting claim?
Your claim would fall within one of these categories. In all cases, our advisors are present to guide through the steps.
Death Claim
Register a claim in case of an unfortunate loss of a loved one.
Critical Illness Rider Claim
Register to claim Rider Benefits. Click here to check the list of documents needed.
Hospitalization Claim
Register a claim in case of a medical emergency. Click here to check the list of documents needed.
Group Death Claim
Register for Group Death Claim. Click here to check the list of documents needed.
PMJJBY (Pradhaan Mantri Jeevan Jyoti Bima Yojana)
Register for Death Claim under PMJJBY (Pradhaan Mantri Jeevan Jyoti Bima Yojana). Click here to check the list of documents needed.
For ADB Rider
Register for Accidental Death Benefit Rider (ADB). Click here to check the list of documents needed.
Upload Documents
Submission of Documentation and verification
Track Claim
Check your claim status in real time
Tips on how the claim process can be quick and seamless
We are committed to ensure a quick and seamless claim settlement experience for our customers. In case, you have any questions, feel free to reach out to us on service@bhartiaxa.com or toll free number on 1800-102-4444
Here are a few handy tips for policyholders and beneficiaries
Policyholder –
- Always share accurate details about your personal information with your insurer
- If you pursue any activity which can be considered risky (Example – Smoking, Dangerous sports etc), then disclose the same to your insurer
- Share the details of the insurance plan with the beneficiary. In case the beneficiary (or nominee) is a minor, then keep a trustworthy adult informed as well.
- If you make any changes to your policy, then keep the beneficiary informed
- Educate your loved ones about the steps to follow while filing for a claim in case of an unfortunate event or accident
- Always pay your insurance premiums before the due date
Terms and Conditions :
Applicable for Death Claims under Retail business. The policy/policies have to be active for 3 continuous years. All the mandatory documents have to be submitted at your preferred branch before 3 PM on a working day. Day 1 would be counted from the day on which all pending documents are received. The total claim amount of all the policies should be less than or equal to Rs 50 lakhs. Claims guarantee program is applicable only for non-investigative death claims. This guarantee is not applicable for the claims received during the first 6 days of the month. For delay of every day beyond one working day a Penal interest of 2% above the current bank rate shall be paid.
Answering your queries
What is meant by claim settlement ratio?
Claim Settlement ratio is the ratio of Claims Settled against claims reported during the year. For detailed information, please refer here (Form 39 & 40).
In case my policy is not issued, in how many days will I get my refund?
In case of decline/ postponement decision on the policy, the refund amount will be settled in 10 working days.
In case the renewal premium is not paid and the term policy holder is no more, will the claim still be settled?
If the policy is in lapse state, no claim will be payable. The customer has the option to reinstate the policy as per the contract provisions.