Exide Life Term Life Plus UIN-114N034V01

Transcription

1 1. Definitins and Interpretatin 1.1. Definitins Exide Life Term Life Plus UIN-114N034V01 TERMS AND CONDITIONS In this Plicy, unless the cntext requires therwise, the fllwing wrds and expressins shall have the meaning ascribed t them respectively herein belw: Benefits means the applicable benefits payable in accrdance with the terms f this Plicy; Beneficiary means the Plicyhlder, Life Assured, nminee r assignees under sectin 38 f the Insurance Act, 1938 r prving executrs f administratin r ther legal representatives, as per the applicable Regulatins as the case may be; Life Assured means the persn named as such in the Plicy Schedule, n whse life the Plicy has been taken in terms heref; Nminee means the persn r persns nminated under Sectin 39 f the Insurance Act 1938 by the Plicyhlder wh has taken the Plicy n his wn life, t receive the admissible Benefits r ther amunts, in the event f his/her death; Plicy means this Exide Life Term Life Plus; Plicy Cmmencement Date means the date as specified in the Plicy Schedule; Plicy Maturity Date means the date as specified in the Plicy Schedule; Plicy Schedule means the plicy Schedule attached t and frming part f this Plicy; Plicy Term means the term as specified in the Plicy Schedule; Plicy Year means a perid f twelve (12) cnsecutive mnths starting with the Plicy Cmmencement Date and ending n the day immediately preceding the fllwing anniversary date and each subsequent perid f twelve (12) cnsecutive mnths thereafter; Plicyhlder means the persn as specified in the Plicy Schedule r any persn in whse favur this Plicy is assigned in terms heref; Premium means the Single Premium, Regular Premium r Limited Premium as the case may be, stated in the Plicy Schedule; Premium Payment Term; means the perid fr which the Regular r Limited Premiums are payable, as stated in the Plicy Schedule. Rider means the rider(s) if any, issued by the Cmpany and attached t and frming part f this Plicy; Rider Benefits means the benefits payable under the Riders. 1

2 Risk Cmmencement Date means the date as specified in the Plicy Schedule; Regulatins means the laws and regulatins in effect frm time t time and applicable t this Plicy, including withut limitatin the regulatins and directins issued by the Regulatry Authrity frm time t time; Regulatry Authrity means the Insurance Regulatry and Develpment Authrity r such ther authrity r authrities, as may be designated under the applicable laws and regulatins; Sum Assured means the sum assured as mentined in the Plicy Schedule, r such amunt as may be endrsed n the Plicy; 1.2. Interpretatin This Plicy is divided int numbered clauses fr ease f reference and reading. Except as stated, these divisins and the crrespnding clause headings d nt limit the Plicy r its interpretatin in any way. Wrds f ne gender shall include the ther gender and the singular shall include the plural and vice versa, unless the cntext therwise requires This Plicy cmprises f the terms and cnditins set frth in this Plicy dcument and the Plicy Schedule, which shall frm an integral part f this Plicy. 2. Exide Life Term Life Plus Subject t the prvisins and fulfillment f the cnditins f this Plicy, the Cmpany agrees t pay t the Beneficiary, the Benefits applicable in terms f this Plicy. 3. Benefits 3.1 Death Benefit: Subject t the terms f this Plicy and the Plicy remaining in full frce and effect, in the event f death f the Life Assured after the Risk Cmmencement Date but befre the Plicy Maturity Date, the Cmpany shall pay the Sum Assured t the Beneficiary, and the Rider Benefits if any. 3.2 Return f Premium Benefits: Subject t the terms f this Plicy and the Plicy remaining in full frce and effect, the Cmpany shall return the premiums actually paid by the Plicyhlder, excluding extra premiums if any levied by the Cmpany, at the fllwing stages during the Plicy Term. a) Mid-term Benefit: On the Life Assured surviving t Mid-term benefit date as specified in the Plicy Schedule, the Cmpany shall return 40% f the Regular Premium r 20% f the Limited/Single Premium, as the case may be, f the premiums actually paid by the Plicyhlder n the Mid-term benefit date after deducting the extra premiums if any. b) Maturity Benefit: On the Life Assured surviving t the Plicy Maturity Date, the Cmpany shall return the ttal premiums paid by the Plicyhlder withut interest, after deducting the plicy mid term benefit and extra premiums if any. 3.3 Nn Frfeiture Benefits Surrender Benefit: In case f Regular Premium the Plicyhlder may surrender the plicy at any time after cmpletin f three Plicy Years subject t at least three full years premiums being paid. In case f Limited Premium the plicy can be surrendered nly after cmpletin f tw Plicy Years subject t at least tw full years premiums being paid. In case f Single Premium, the plicy can be surrendered nly after cmpletin f tw Plicy Years. 2

3 The Surrender benefit payable is as fllws; a) Regular Premium: 40% f the premiums paid by the Plicyhlder. b) Limited Premium [5 year Premium Payment Term]: 50% f the premiums paid by the Plicyhlder. c) Limited Premium [3 year Premium Payment Term]: 60% f the premiums paid by the Plicyhlder. d) Single Premium: 70% f the premiums paid by the Plicyhlder The Surrender Benefit as mentined abve shall be payable after deducting the premiums if any returned as mentined in clause 3.2 (a) and als the extra premiums if any, paid by the plicy hlder. On the payment f the Surrender Benefit, the Plicy shall terminate frthwith and the Cmpany shall be relieved and discharged frm all bligatins thereafter Paid Up Value: If at least three full years premiums have been paid in case f Regular Premium and tw full years premiums in case f Limited Premium and if any subsequent premiums, in case f Regular/Limited Premium as the case may be, are nt paid fr the full Premium Payment Term, the Plicy shall acquire a paid up value as defined belw. The benefit is paid n death f the Life Assured during the Plicy Term r n Life Assured surviving t the Plicy Maturity Date. Paid Up Value = Ttal premiums paid less the Mid-term Benefit if any paid, less extra premiums if any. 3.4 Requirements fr Death and Return f Premium Benefits In the event f a claim fr Death Benefit arising under this Plicy, the Beneficiary shall endeavur t intimate t the Cmpany in writing f the claim and prvide the dcuments as mentined in r belw t the Cmpany within 60 days f the claim arising, t enable the Cmpany t prcess the claim: In case f claim fr Return f Premium Benefits. a) Mid Term Benefit: (i) Plicy dcument in riginal fr endrsement; and (ii) Discharge Frm b) Maturity Benefit: (i) Plicy dcument in riginal; and (ii) Discharge Frm In case f claim fr death arising ut f natural causes. (i) Plicy dcument in riginal; (ii) Death Certificate, in riginal, issued by the cmpetent authrity; and (iii) Hspitalizatin dcuments (discharge summary alng with all investigatin reprts) if Life Assured has taken treatment fr illness leading t his death In case f death arising ut f accidents r unnatural deaths. (i) (ii) (iii) (iv) Plicy dcument in riginal; Death Certificate, in riginal, issued by the cmpetent authrity; Cpies f the First Infrmatin Reprt and the Final Investigatin Reprt theref, duly attested by the cncerned plice fficials; and Cpy f pst-mrtem reprt duly attested by the cncerned fficials. 3

4 3.5 Ntwithstanding anything cntained in Clause 3.4 abve, depending upn the cause r nature f the claim, the Cmpany reserves the right t call fr ther and/r additinal dcuments r infrmatin, including dcuments/infrmatin cncerning the title f the persn claiming the Benefits under this Plicy, t the satisfactin f the Cmpany, fr prcessing f the claim. 3.6 In the event f the Life Assured s death during a Plicy Year, the Death Benefit shall be paid after deducting the balance premiums if any, payable fr the said Plicy Year. 3.7 Mde f payment f Benefits All Benefits and ther sums under this Plicy, shall be payable in the manner and currency permitted under the Regulatins The Cmpany shall pay the applicable Benefits and ther sums payable under this Plicy at the Custmer Services Centre f the Cmpany s Natinal Operatins Office in Bangalre. Any discharge given by the Beneficiary r by any persn authrized by the Beneficiary in writing in respect f the Benefits r ther sums payable under this Plicy shall cnstitute a valid discharge t the Cmpany in respect f such payment. The Cmpany s liability under the Plicy shall be discharged by such payment and the Cmpany shall nt be required t see the applicatin f the mnies s paid. 4. Premium: This Plicy is issued subject t the Plicyhlder making prmpt and regular payment f Premiums. 4.1 Payment f Single/Regular/Limited Premium. The Plicyhlder shall pay t the Cmpany the Premium, being either the Regular/Limited Premium r the Single Premium, as the case may be, in such frequency n r befre the due date specified in the Plicy Schedule, t secure the Benefits under this Plicy. 4.2 Grace Perid; A grace perid f 15 days is allwed fr payment f the Regular/Limited Premium. 4.3 Discntinuance f Premium: If the Plicyhlder discntinues the Premium payment at any time during the Plicy Term, the Plicy shall lapse frm the due date fr payment f the first unpaid Premium. If the Life Assured dies during the grace perid allwed fr payment f the unpaid Premium, the Cmpany shall pay the Death Benefit after deducting the unpaid Premiums as well as the balance premiums if any payable fr the Plicy Year. Hwever if the Life Assured dies during the lapsed perid, the Plicy is subject t nn frfeiture cnditins as specified under sectin Reinstatement f the Plicy. 5.1 Subject t the apprval f the Cmpany and the prevailing rules f the Cmpany, this Plicy, if lapsed, may be reinstated befre the Plicy Maturity Date but within tw years frm the date f the first unpaid Premium prvided; (i) (ii) (iii) this Plicy has nt been surrendered fr cash; and where required by the Cmpany, a written applicatin fr reinstatement is received frm the Plicyhlder by the Cmpany, tgether with evidence f insurability and health f the Life Assured t the satisfactin f the Cmpany and all amunts necessary t reinstate this Plicy are received by the Cmpany. 5.2 Ntwithstanding anything t the cntrary cntained elsewhere in this Plicy, the Cmpany reserves the right t reinstate the lapsed Plicy either n its riginal terms and cnditins r 4

5 n such ther r mdified terms and cnditins as the Cmpany may, specify, r t reject the reinstatement. 5.3 If a lapsed Plicy is nt revived within the perid mentined under clause 5.1, the Plicy shall stand terminated frthwith and all Benefits, except the Paid Up Value if any accrued under this Plicy, shall cease. A Plicy cannt be revived after the expiry f the reinstatement perid. 5.4 Subject t the prvisins f Clause 5 abve, the reinstatement f the Plicy shall cme int effect n the date when the Cmpany specifically cmmunicates it in writing t the Plicyhlder. Since the Cmpany shall be relying n the statements made by the Plicyhlder/Life Assured t the Cmpany and t its medical examiner in deciding n reinstatement f a lapsed Plicy, if any incrrect r untrue statement has been made r any material fact has been suppressed, the Cmpany shall be entitled t cancel the reinstatement f this Plicy r repudiate the claim, if any, arising after such reinstatement and the amunts received under this Plicy including the amunts paid twards such reinstatement, shall be liable t be frfeited by the Plicyhlder/Life Assured in favur f the Cmpany. 5.5 Age Admissin. The age f the Life Assured has been admitted n the basis f the declaratin made by the Plicyhlder/Life Assured in the Prpsal and/r in any statement based n which this Plicy has been issued. If the age f the Life Assured is fund t be different frm that declared, the Cmpany may, adjust the Premiums and/r the Benefits under this Plicy and/r recver the applicable balance amunts, if any, as it deems fit. This Plicy shall hwever becme vid frm cmmencement and shall terminate frthwith, if the age f the Life Assured at the Plicy Cmmencement Date is fund t be higher than the maximum r lwer than the minimum entry age that was permissible under the plan f this Plicy at the time f its issue and the amunts received under this Plicy shall be frfeited by the Plicyhlder/Life Assured in favur f the Cmpany. 6. Assignment and Nminatin. Ntice f any assignment r nminatin must be submitted in writing t the Cmpany at its ffice issuing this Plicy r at the ffice servicing this Plicy as cmmunicated t the Plicyhlder frm time t time. 6.1 Assignment. An assignment f the Plicy may be made by an endrsement upn the Plicy itself r by a separate instrument signed in either case by the assignr specifically stating the fact f assignment and duly attested. Only the Plicyhlder may make the first assignment. Such assignment shall be effective, as against the Cmpany, frm and upn the service f a written ntice upn the Cmpany and the Cmpany recrding the assignment in its bks. In case f assignment under this Plicy, the assignee wuld nt be entitled t increase the Benefits. In registering an assignment, the Cmpany des nt accept any respnsibility r express any pinin as t its validity r legal effect. 6.2 Nminatin. The Life Assured, where he is the Plicyhlder, may, at any time during the Plicy Term, make a nminatin fr the purpse f payment f the Death Benefit and/r ther Benefits in the event f his death. Where the Nminee is a minr, the Plicyhlder may als appint a persn t receive the mney during the minrity f the Nminee. Nminatin may be made by an endrsement n the Plicy and by cmmunicating the same in writing t the Cmpany. Any change f nminatin, which may be effected befre the terminatin f the Plicy shall als be cmmunicated t the Cmpany. In registering a nminatin, the Cmpany des nt accept any respnsibility r express any pinin as t its validity r legal effect. 6.3 N Participatin in surplus r prfits. This Plicy des nt cnfer any rights n the Plicyhlder t participate in surplus r prfits f the Cmpany. 5

6 6.4 Review, revisin. The Cmpany reserves the right t review, revise, delete and/ r alter any f the terms and cnditins f this Plicy with the prir apprval f the Regulatry Authrity. 7. Suicide. 7.1 If the Life Assured cmmits suicide fr any reasn, while sane r insane, within ne year frm the Risk Cmmencement Date as specified in the Plicy Schedule, this Plicy shall terminate with immediate effect and the Death Benefit and/r ther Benefits shall nt be paid under this Plicy. 7.2 If the Life Assured cmmits suicide fr any reasn, while sane r insane, within ne year frm the date f reinstatement f a lapsed Plicy, nly the applicable surrender value, if any, will be paid t the Beneficiary and n ther Benefits under this Plicy shall becme payable. 8. Lans. N lan will be admissible under this Plicy. 9. Frfeiture. In issuing this Plicy, the Cmpany has relied n, and may rely n, accuracy and cmpleteness f the infrmatin prvided by the Prpser /Life Assured and any ther declaratins r statements made r as may be made hereafter, by the Plicyhlder/Life Assured. Subject t the prvisins f the applicable Regulatins including Sectin 45 f the Insurance Act, 1938, in the event any such infrmatin, declaratin r statement is fund t be false r incrrect r any material infrmatin is fund t be withheld r misrepresented, the Plicy shall becme null and vid frm cmmencement and shall frthwith terminate, and the Cmpany shall cease t be liable fr the Benefits under this Plicy and all amunts under the Plicy will belng t the Cmpany. 10. GENERAL PROVISIONS 10.1 Release and discharge. The Plicy will terminate autmatically n payment f the Death Benefit, Maturity Benefit as mentined in clause 3.2(b), Surrender Benefit and/r Paid Up Value and the Cmpany will be relieved and discharged frm all bligatins under this Plicy thereafter Limitatin f Liability. The maximum Liability f the Cmpany under this Plicy shall nt in any circumstance exceed the aggregate amunt f the relevant Benefits payable under this Plicy Grievance Redressal /Cmplaints. Any grievance r cmplaints t the Cmpany must be made in writing and delivered t the address intimated by the Cmpany t the Plicyhlder, which is currently: Exide Life Insurance Cmpany Limited 690, 1st Flr, Gld Hill Square, Opp Oxfrd University Cllege, Begur Hbli, Hsur Rad, Bangalre [email protected] Tll Free Number Tel N: Fax N: Taxes, duties and levies and disclsure f infrmatin. 6

7 All taxes duties r levies (hereinafter Taxes ) applicable t this Plicy shall be subject t the Regulatins, including taxatin laws in effect frm time t time. The persn receiving the Benefits shall be slely liable fr cmplying with all the applicable prvisins f the Regulatins, including taxatin laws, and payment f all applicable Taxes. Except as therwise required by law, the Cmpany shall nt be respnsible fr any Tax liability arising in relatin t this Plicy r the Benefits payable in terms f this Plicy. In any case where the Cmpany is bliged t accunt t the revenue authrities fr any Taxes applicable t this Plicy r the Benefits payable under this Plicy, the Cmpany shall be entitled t deduct such Taxes frm any sum payable under this Plicy, and depsit the amunt s deducted with the apprpriate gvernmental r regulatry authrities In any case where the Cmpany is bliged t disclse t the revenue r ther regulatry authrities any infrmatin cncerning the Plicy, including infrmatin cncerning the Premium and the Benefits under this Plicy, the Cmpany shall be entitled t disclse the required infrmatin t the apprpriate gvernmental r regulatry authrities. 11. Ntice by the Cmpany under the Plicy: Any f the ntices required t be issued in terms f this Plicy may be issued, either by issuing individual ntices t the Plicyhlder/Beneficiary, including by electrnic mail and/r facsimile, r by issuing a general ntice, including by publishing such ntices in newspapers and/r n the Cmpany s website. 12. Entire Cntract. This Plicy cmprises the terms and cnditins set frth in this Plicy dcument, the Plicy Schedule, the terms and cnditins set frth in the Riders, if any, applicable t this Plicy and the endrsements, if any, made n r applicable t this Plicy, which shall frm an integral part and the entire cntract, evidenced by this Plicy. The liability f the Cmpany is at all times subject t the terms and cnditins f this Plicy and the endrsements made frm time t time. In the event f any incnsistency between the terms and cnditins set frth in this Plicy dcument and the terms and cnditins set frth in the Riders t this Plicy, the terms and cnditins set frth in this Plicy shall prevail. 13. Gverning Law and Jurisdictin 13.1 This Plicy shall be gverned by and interpreted in accrdance with the laws f India. All actins, suits and prceedings under this Plicy shall be subject t the exclusive jurisdictin f the curts f law within whse territrial jurisdictin the registered ffice f the Cmpany is situated N actin in law r equity shall be brught against the Cmpany t enfrce any claim under this Plicy, unless the Plicyhlder has filed with the Cmpany a claim tgether with all the required dcuments, in accrdance with the requirements f this Plicy and cmplied with the requirements f the Cmpany, at least 60 days prir t the institutin f such actin. Plicyhlder s attentin is invited t Sectin 45 f the Insurance Act, 1938, which is reprduced belw fr reference: Sectin 45. Plicy nt t be called in questin n grund f mis-statement after tw years N plicy f life insurance effected befre the cmmencement f this Act shall, after the expiry f tw years frm the date f cmmencement f this Act and n plicy f life insurance effected after the cming int frce f this Act shall, after the expiry f tw years frm the date n which it was effected, be called in questin by an insurer n the grund that a statement made in the prpsal fr insurance r in any reprt f a medical fficer, r referee, r friend f the insured, r in any ther dcument leading t the issue f the plicy, was inaccurate r false, unless the insurer shws that such statement was 7

8 n a material matter r suppressed facts which it was material t disclse and that it was fraudulently made by the plicy-hlder and that the plicy-hlder knew at the time f making it that the statement was false r that it suppressed facts which it was material t disclse: PROVIDED that nthing in this sectin shall prevent the insurer frm calling fr prf f age at any time if he is entitled t d s, and n plicy shall be deemed t be called in questin merely because the terms f the plicy are adjusted n subsequent prf that the age f the life insured was incrrectly stated in the prpsal. fr EXIDE LIFE INSURANCE COMPANY LIMITED By: Name: Title: Exide Life Insurance Cmpany Limited, Registratin N.114, Regd.& Crprate Office: ING Vysya Huse, 5 th Flr, N.22, M.G.Rad, Bangalre , India.Tel: Fax: Prduct UIN: 114N034V01 8

9 Cntact Infrmatin fr Feedback, Cmplaints & Grievances Redressal In case yu have any query r cmplaint/grievance, please feel free t apprach ur ffice thrugh any f the fllwing channels Level 1 Call Us Call ur Tll Free Us us at [email protected] Cntact us at ur branch ffice nearest t yu r call tll free number t ascertain the address f the nearest branch ffice. Level 2 In case yu are nt satisfied with the decisin f the abve ffice, r have nt received any respnse within 10 days, yu may cntact the fllwing fficial fr reslutin: Exide Life Insurance Cmpany Limited 690, 1st Flr, Gld Hill Square, Opp Oxfrd University Cllege, Begur Hbli, Hsur Rad, Bangalre [email protected] Tll Free Number Tel N: Fax N: Please qute the reference number prvided t yu in yur earlier interactin alng with yur plicy/cntract number t help us understand and address yur cncern. Level 3 In case yu are nt satisfied with the decisin/reslutin f the Cmpany, yu may apprach the nearest Insurance Ombudsman as per the address mentined in Annexure C if yur grievance pertains t: - Insurance claim that has been rejected r dispute f a claim n legal cnstructin f the plicy - Delay in settlement f claim - Dispute with regard t premium - Nn-receipt f yur insurance dcument The cmplaint shuld be made in writing duly signed by the cmplainant r by his legal heirs with full details f the cmplaint and the cntact infrmatin f cmplainant. As per prvisin 13(3)f the Redressal f Public Grievances Rules 1998, the cmplaint t the Ombudsman can be made - nly if the grievance has been rejected by the Grievance Redressal Machinery f the Insurer - within a perid f ne year frm the date f rejectin by the insurer - if it is nt simultaneusly under any litigatin 9

10 Annexure A Jurisdictin Gujarat, UT f Dadra & Nagar Haveli, Daman and Diu Orissa Tamil Nadu, UT Pndicherry Twn and Karaikal (which are part f UT f Pndicherry) Assam, Meghalaya, Manipur, Mizram, Arunachal Pradesh, Nagaland and Tripura Kerala, UT f (a) Lakshadweep, (b) Mahe a part f UT f Pndicherry Name and Address f Ombudsman Shri. P. Ramamrthy Office f the 2nd Flr, Ambica Huse, Nr. C.U. Shah Cllege, Ashram Rad, AHMEDABAD Tel.: Fax : [email protected] Shri. B,P.Parija Office f the 62, Frest Park, BHUBANESHWAR Tel.: Fax : [email protected] Shri V. Ramasaamy, Office f the Fathima Akhtar Curt, 4th Flr, 453 (ld 312), Anna Salai, Teynampet, CHENNAI Tel.: /5284 Fax : [email protected] Shri D. C. Chudhury Office f the Jeevan Nivesh, 5 th Flr, Near Panbazar Overbridge, S.S. Rad, GUWAHATI (ASSAM). Tel.: /5 Fax : [email protected] Shri.R.Jythidranathan Office f the 2nd Flr, CC 27/2603, Pulinat Bldg., Opp. Cchin Shipyard, M.G. Rad, ERNAKULAM Tel : Fax : [email protected] Jurisdictin Madhya Pradesh & Chhattisgarh Punjab, Haryana, Himachal Pradesh, Jammu & Kashmir, UT f Chandigarh Delhi & Rajasthan Andhra Pradesh, Karnataka and UT f Yanam a part f the UT f Pndicherry West Bengal, Bihar, Jharkhand and UT f Andaman & Nicbar Islands, Sikkim Name and Address f Ombudsman Office f the Janak Vihar Cmplex, 2 nd Flr, 6, Malviya Nagar, Opp. Airtel, Near New Market, BHOPAL(M.P.) Tel.: Fax : [email protected] Office f the S.C.O. N , 2nd Flr, Batra Building. Sectr 17-D, CHANDIGARH Tel.: Fax : [email protected] Shri Surendra Pal Singh Office f the 2/2 A, Universal Insurance Bldg., Asaf Ali Rad, NEW DELHI Tel.: Fax : [email protected] Shri K Chandrahas Office f the , 1 st Flr, Min Curt, A.C. Guards, Lakdi-Ka-Pl, HYDERABAD Tel : Fax: [email protected] Ms. Manika Datta Office f the Hindustan Building Annexe, 4th Flr, 4, Chittaranjan Avenue, KOLKATA Phne: /4340 Fax: [email protected] 10

11 Uttar Pradesh and Uttaranchal Shri.G.B.Pande Office f the Jeevan Bhawan, Phase-2, 6 th Flr, Nawal Kishre Rad, Hazaratganj, LUCKNOW Tel : Fax : [email protected] Maharashtra, Ga Shri S Viswanathan Office f the 3rd Flr, Jeevan Seva Annexe, S.V. Rad, Santacruz(W), MUMBAI Tel : Fax : [email protected] Standard requirements fr submissin f a Claim are mentined belw (Depending n the circumstances f a claim, additinal relevant infrmatin may be required which wuld be case specific) Maturity Claims Original Plicy Dcument. Discharge frm Death Claim Plicy Dcument - Original. Death Certificate - Original. Death Certificate issued by Medical Attendant/Hspital. Hspitalisatin dcuments (Discharge summary, all investigatin reprts) if Life Assured has taken treatment fr illness leading t death. Last Medical Attendants Certificate. Family Dctr s Certificate. Emplyer s Certificate and Cpy f Medical leave if availed frm the Emplyer. Age prf and Pht Identificatin f the Life Assured Pht Identificatin f the Nminee Obituary intimatin in the newspaper (if any) Burial/ Crematin Certificate Claim Frm. In case f unnatural deaths including accidents (in additin t abve) First Infrmatin Reprt (FIR) attested by the plice fficials, Final investigatin Reprt attested by the plice fficials & Pst-Mrtem Reprt (PMR) attested by the plice fficials. Plice Inquest Reprt and Panchnama reprt attested by the plice fficials. Newspaper clippings f the incident (if any) 11