Filing a claim is a straightforward process and involves the following steps:Filling up the claim form online or at a branch office of the insurance companySubmitting a copy of the death certificate and the original policy bondFurnishing documents like hospital certificate, police FIR report, postmortem report, discharge summary and other medical records in case of an accidental death Furnishing KYC papers of the legal heir like the succession certificate in the absence of a nomineeThe insurer will scrutinize the documents and verify the validity of the claim. Once satisfied, they will settle the payment. Your family will receive the benefits as a lump sum, a fixed, or increasing incomes as stated in the policy.