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Claim Processing
 | The original documents may be returned only if duly attested Xerox copies are retained. |
| Bills / receipts are for company’s records. |
| In case of group policy the payment is to be made to the employer in respect of employee. Where provision is made for writing the name of the beneficiary and if Insured organisation wants payment to be made directly to such beneficiary joint discharge should be obtained. |
| If in a particular case Doctor certificates that the claimant has lost 30% use of one limb, in such case claimant would be entitled to 30% of the compensation payable had he lost use of one entire limb. |
| The policy is to be obtained for cancellation in case of claim involving death, permanent total disablement, loss of two limbs, one limb or one eye i.e. wherever capital sum insured becomes payable. |
| In case of permanent partial disability claim the policy should be obtained for endorsement for reducing the Capital Sum Insured (CSI). The weekly benefit, however, should be based on original CSI. |
| For Temporary Total Disablement claims the overall physical condition is to be considered and not any single criterion. |
| Weekly compensation should not be paid unless the total claim amount is ascertained and agreed. |
| Claims for exaggerated amount or for claims of doubtful nature the finding of panel Physician or surgeon should be obtained. |
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