Life Insurance Claim Process: Procedure & Documentation - PNB MetLife
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Claim in 3 easy steps

Get your claim initiated online in 3 easy steps to follow or get all your claim related queries answered in here.

Claims Process

PNB MetLife strives hard to make the claims process as easy and stress-free as possible for its customers. With these three simple steps, our customers can get their claims settled faster.

Step 1: Modes of Communication

A claim can be intimated in any of the following modes:

  • Written
  • Letter

  • Death
    - Copy of Death Certificate (issued by local authority)
    - Original Policy Document or Indemnity Bond in case the Original Policy Bond is lost
    - Claimant’s Statement
    - Doctor’s certificate (in specified format)
    - Photo ID Proof and Address Proof of the nominee as per AML Requirements (Refer Annexure for the list of accepted documents)
    - Cancelled cheque leaf or bank pass book of the beneficiary under the policies
    - Company reserves the right to call for additional documents / information depending on case to case basis
    • Accidental Death
      - Death Certificate (Original or notarised copy)
      - Original Policy Document or Indemnity Bond in case the Original Policy Bond is lost
      - Claimant’s Statement
      - Doctor’s certificate
      - Photo ID proof and Address Proof of the nominee (Refer Annexure for the list of accepted documents)
      - Attested copy of FIR/ Panchnama/Iquest report
      - Attested Copy of the Post Mortem Report/ Viscera report
      - Cancelled cheque leaf or bank pass book of the beneficiary under the policies
      - Copy of Newspaper Cutting (If any)
    • Critical Illness
      - Claimant’s Statement
      - Doctor’s certificate (in specified format)
      - Discharge summary from the hospital or Attested copies of other hospital records (Admission Sheet, Bed tickets etc)
      - Original Policy Document
      - Cancelled cheque leaf or bank pass book of the life assured
        Please Note: Critical Illness Rider can be claimed only once the Survival period is completed
    • Waiver of Premium
      - Claimant’s statement (in specified format) 
      - Doctor’s certificate (in specified format) 
      - Original Policy Document 
      - Original/attested copy of all treatment and diagnosis reports 
      - Attested copies of other hospital records (Admission Sheet, Discharge Summary, Bed Head Ticket etc.) 
      - Disability certificate issued by the Civil Surgeon/competent specialist (06 months after the date of injury) 
      - Certificate of current status of health 
      - First Information Report
      - Cancelled cheque leaf or bank pass book of the beneficiary under the policies

    Once all the required necessary documents are received by PNB MetLife, we will process your claim within 30 days of receipt   from the date of receipt of last necessary document for all cases where further investigation is not required.

    Wherein Investigation is required, investigation should be completed not later than 90 days from the date of receipt of claim intimation and the claim shall be decision within 30 days thereafter