How to claim your insurance
MUMBAI: The blasts in Mumbai have left many injured and dead with families left to pick up the pieces. In the unfortunate event that you’ve been affected by the blasts injured or lost a loved one here’s the insurance procedure to follow:
To begin with, railways and commuters are covered currently by public sector insurance companies for such incidents. Affected parties need to file a claim with the Railways Claims Tribunal, which will decide the compensation based on the aggrieved party.
In the event, the government announces a compensation package, then there is no need for affected families to approach the tribunal.
In case, your family member commuting by any of the trains involved in the blasts was injured and is covered by an individual personal accident policy, you need to approach your insurance company at the earliest with a letter stating the policy number and in the case of accidental death, a death certificate from the hospital or BMC.
Although, otherwise, insurance firms require post-mortem certificates, in such incidents, these requirements are waived off.
The same holds true for those covered by life insurance. Companies typically require a further proof of identity, which in such cases is issued by the authority issuing the death certificate. All the other requirements of a post-mortem, FIR, police report and such are waived off.
URL- http://timesofindia.indiatimes.com/articleshow/1733353.cms