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Where to file your insurance claim? Here's help

By Sree Ram R, Outlook Money
December 02, 2006 12:11 IST
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The moment of truth for someone who has taken insurance cover is when he goes to make a claim. Today, insurance companies are witnessing very high levels of employee attrition. So, there's no guaranteeing that the gentleman who sold your policy would be around when you go to make the claim. So what do you do? File the claim yourself, of course. And, for that, you first need to get in touch with the insurer.

Here, we give a list of phone numbers, addresses and e-mails of all insurance companies, both life and general, in India.

If your insurer is satisfied with your claim, he will pay the settlement. But, on occasion, you may not be able to bridge your differences with your insurer, who might refuse the claim or pay less than what you think you deserve. To break that stalemate, you would need the help of the ombudsmen.

These are persons who have been appointed specifically to solve such problems. There are 12 of them and depending on where you are located, there is a specific one who would have the jurisdiction to look into your problem. The decision of the ombudsman is binding on insurance companies, but not on you. If you are dissatisfied, you can still go to the courts.

Once you pay your premium or get your claim, would there be any tax implications? There are three sections in the Income Tax Act that exempt insurance premiums and maturity proceeds from taxes. They are:

Section 80C. Under this section, premium of up to Rs 1 lakh can be claimed for tax deduction.

Section 10(10)D. This section specifies that maturity and death benefits are tax free.

Section 80DD. Deduction of up to Rs 50,000 from gross total income in respect of medical treatment or premium paid towards a life insurance policy taken for the benefit of handicapped dependent.

General Insurance

Company

Contact No

Availability of claim forms on the website

Website

Status

Bajaj Allianz

 

www.bajajallianz.com

 

BSNL/MTNL

1800-22-5858

Online intimation of claims

 

Can intimate claims online

Airtel/Bharti

1800-102-5858

 

 

Cholamandalam

1800-425-5544, 1600-425-5544

Online intimation of claims

www.cholainsurance.com

Can intimate claims online

HDFC Chubb

1800-226-226, 1800-226-226

Form downloadable; Can write to:
 india.helpline@hdfcchubb.com

www.hdfcchubb.com

NA

ICICI Lombard

1800-22-5800 (BSNL/MTNL)
022-66942400, 1800-22-2003

Form downloadable

www.icicilombard.com

NA

IIFCO TOKIO

1800-345-3303

Form downloadable

www.itgi.co.in

Can intimate claims online

National Insurance

033-22831705 /22831706

Form downloadable

www.nationalinsuranceindia.com

NA

New India Insurance

033-2283 1705-22894791

Form downloadable

www.newindia.co.in

NA

Oriental Insurance

011-23265024

Form downloadable

www.orientalinsurance.nic.in

NA

Reliance General

022-30338282

Form downloadable

www.reliancegeneral.co.in

Can intimate claims online

Royal Sundaram

1800-345-8899; 0-94444 48899

Form downloadable

www.royalsundaram.in

NA

TATA AIG General

1800-11-9966 (BSNL & MTNL)

Form downloadable

www.tata-aiggeneral.com

Can register claim online

United India Insurance

044-28520161

NA

www.uiic.co.in/index.jsp

NA

Life Insurance

 

 

Company

No.s for registering the claims

Availability of claim forms on the CoÕs website

Website

Aviva

1800-180-2266 (8am to 10pm, Mon-Sat)

Can download forms from the website

www.avivaindia.com

Bajaj Allianz

1800-22-5858

No forms available online, have to contact company directly or have to write to: help@bajajallianz.co.in

www.bajajallianzlife.co.in

Airtel

1800-102-5858

 

Birla Sun Life

1800-22-7000

No forms available online, have to contact company directly or have to write to: claims@birlasunlife.com

www.birlasunlife.com

HDFC Standard Life

1800-22-7227, 1800-22-8228

Claim forms downloadable; can write to:
claims@hdfcinsurance.com

www.hdfcinsurance.com

ICICI Prudential Life

1800-22-2020 (BSNL/MTNL)

NA

www.iciciprulife.com

ING Vysya Life

1800-425-5433

NA

www.ingvysyalife.com

Kotak Old Mutual Life

1800-22-8081 (BSNL/MTNL all over India);022-56635303

NA

www.kotaklifeinsurance.com

LIC

Time: 8am-8pm

Claim forms downloadable

www.licindia.com

New Delhi

011-23329595

 

 

Mumbai

022-26125555

 

 

Kolkata

033-23341765, 23211893/94/95

 

 

Chennai

044-28602626/28602929

 

 

Hyderabad

040-23236687

 

 

Bangalore

080-22485210

 

 

Pune

020-25536161

 

 

Ahmedabad

079-2550 7777

 

 

Max New York Life

1800-180-5577

NA

www.maxnewyorklife.com

Metlife India

1800-425-6969 (BSNL users)
080-26622880

NA

www.metlife.co.in

Reliance Life

044-30588224 /30588222/30588226/
30588200, Fax: 044-30588220;
Email: rlife.service@relianceada.com

NA

www.reliancelife.co.in

SBI Life

1800-22-9090

NA

www.sbilife.co.in

Sahara Life

1800-180-9000

NA

www.saharalife.com

TATA Life

1-800-11-9966 (MTNL/BSNL);
022-66479000;Fax: 022-67024123
6050500 (Local call from Surat and Lucknow)

Have to write to indiaclaims-life@tata-aig.com

www.tata-aig-life.com

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Sree Ram R, Outlook Money
 

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