To make a claim, you need the intimation letter, death certificate, policy bond, KYC of the nominee and the person intimating death and NEFT documents. Normally, the agent who sold the policy would help with the formalities. Once the insurer receives the claim intimation, they would ask for supplementary documents, which are not mandatory for all claims but depend on the event leading to death, such as employer certificate, attending physician’s certificate, etc. In certain cases, hospital certificate, copy of police report and post mortem report may be sought, as applicable. Once all the necessary documents are submitted, the insurer after performing due dilligence on the veracity of the claim settles the same with the nominees.