The recent flood of a massive scale in the beautiful state of Kerala has sent once again an alarm to well be prepared as nature's fury is truly left unknown to mankind. And during such times, when it becomes very difficult to save lives, it may well be the case that while you have sufficient insurance to rescue yourself from the event financially, your documents for the same go missing on account of being washed away.

But seeking the best interest of its customers, insurers have a way out for this case even. So here are discussed ways to make the claim in such a situation.

As it is, it's known to us that insurers, more precisely public companies have eased the process of filing claims in sight of the huge disaster. For your further convenience and ease, here is detailed the process:

1. Make the call at the toll free number of your insurer to make know about the event. For making claims, the early you go, the better.

2. Also, there stands a provision for the interest of larger consumer base that companies cannot decline the claim made on grounds of delay in intimation in case of genuine claim.

The documents needed while making life insurance claim include death certificate, KYC of the nominee, bank details, policy bond, FIR in case of un-natural death or medical papers in case of natural death together with claimant form A.

3. For life insurance claim, the intimation has to be made at the earliest possible while for critical illness situation or dreaded disease, the claim has to be made after the survival period.

4. In case of loss of documents, filing of the claim is rendered easy in case of auto insurance, as insured just by giving basic details including vehicle registration number and PAN will be able to fetch the policy details with the help of the insurer and get his claim processed.

Also, in case there are no documents available physically to support or back the claim, insurers in such difficult times will take good the online details stored in various digital repositories.

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