ACKO Life Home / ACKO Life Insurance Claims Process

Group Claims Process

Claims Procedure:

Claim Submission Options:

The claimant/nominee can email all necessary documents to [email protected]
(Original documents may be requested on a case-by-case basis)

OR

The Claimant/Nominee can contact the Master Policy Holder, who will Collect all documents from the claimant/nominee Intimate the claim to the insurance company on behalf of the claimant

Mandatory Documents Required for Claim Intimation:

  • Claimant’s statement/Claim form in the prescribed format   (Download claim form: https://www.acko.com/life/download/)

  • Copy of the original Death Certificate issued by the local/municipal authority

  • KYC documents of the Claimant (Aadhar Card/Pan Card)

  • Cancelled cheque/Bank statement/Copy of bank passbook

    In case of death due to Medical Causes:

  • Medical records (admission notes, discharge/death summary, test reports, etc.)

  • Medical certificate signed by the last attending doctor

    In case of death due to Unnatural Causes (Accident/Suicide/Murder):

  • Copy of FIR or Panchanama/Police complaint

  • Postmortem Report

  • Viscera Report/FSL report

  • Final Police Investigation Report/Charge Sheet

  • Court order

    Additional documents may be requested depending on the nature of the claim.

TAT for Claim Settlement:

  • Death claims will be processed within 15 days from the date of receipt of claim intimation along with all relevant documents.

  • If investigation is required, settlement will occur within 45 days from the date of receipt of claim intimation

Retail Claims Process

Claims Procedure:

To register a claim, please submit all necessary documents by emailing us at [email protected]

Mandatory Documents Required for Claim Intimation:

  • Claimant’s statement/Claim form in the prescribed format (Download claim form: https://www.acko.com/life/download/)

  • Copy of the original Death Certificate issued by the local/municipal authority

  • KYC documents of the Claimant (Aadhar Card/Pan Card)

  • Cancelled cheque/Bank statement/Copy of bank passbook

    In case of death due to Medical Causes:

  • Medical records (admission notes, discharge/death summary, test reports, etc.)

  • Medical certificate signed by the last attending doctor

    In case of death due to Unnatural Causes (Accident/Suicide/Murder):

  • Copy of FIR or Panchanama/Police complaint

  • Postmortem Report

  • Viscera Report/FSL report

  • Final Police Investigation Report/Charge Sheet

  • Court order

    Additional documents may be requested depending on the nature of the claim.

Turnaround Time (TAT) for Claim Settlement:

· Death claims under retail policies will be processed within 15 days from the date of receipt of claim intimation along with all relevant documents.

· If the claim requires investigation, it will be settled within 45 days from the receipt of claim intimation.

Critical Illness, Total and Permanent Disability or Terminal Illness

Claims Procedure:

To register a claim, please submit all necessary documents by emailing us at [email protected]

Mandatory Documents:

1. Claimant’s statement/Claim form in the prescribed form. (Download claim form: https://www.acko.com/life/download/)

2. Attending physician’s statement

3. Attested copies of all medical records

4. Copy of Cancelled cheque/Bank Statement/Copy of Bank Passbook duly attested by the bank

5. Certification of disability along with percentage of disability/ Photograph of the injured reflecting disability, as applicable

TAT for Claim Settlement:

  • Claims will be processed  within 15 days from the date of receipt of claim intimation along with all relevant documents  .

  • If investigation is required, settlement will occur within 45 days of claim intimation.