P a g e | 106

c) Loss is within the policy period

d) Loss has arisen out of “Accident” and not sickness

e) Check for any fraud triggers and assign investigation if need be

f) Register the claim and create reserve for the same

g) Maintain the turnaround time (claim servicing time) and keep the customer informed of the
development of the claim.

Claim documentation - Personnel Accident :

a) Duly completed Personal Accident claim form signed by

the claimant‟s nominee/family member

b) Original or Attested copy of First Information Report.

(Attested copy of FIR / Panchnama / Inquest Panchnama)

c) Original or Attested copy of Death certificate.

Death claim

d) Attested copy of Post Mortem Report if conducted.

e) Attested copy of AML documents (Anti-money laundering)

- for name verification (passport / PAN card / Voter's ID /
Driving license) for address verification (Telephone bill /
Bank account statement / Electricity bill / Ration card).

f) Legal heir certificate containing affidavit and indemnity

Sterling Insurance ATI Services