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: |
www.hdfcchubb.com |
NA |
|
ICICI Lombard |
1800-22-5800 (BSNL/MTNL) |
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: |
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) |
NA |
www.metlife.co.in |
|
Reliance Life |
044-30588224 /30588222/30588226/ |
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); |
Have to write to indiaclaims-life@tata-aig.com |
www.tata-aig-life.com |
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