Salary and Pension Solutions for Central/ State Govt. employees for drawing Salary/ Pension

CLAIM INTIMATION

All the claims of the Insured will be intimated through Anand Rathi Insurance Brokers Ltd., who will co-ordinate with Insurer. Nodal officer for ARIBL will be Mr. Akshay Zade & for Insurance Co will be Mr. Mahendra Kamath

On receipt of the intimation, the Claim will be registered and the Insurance Company will be provided with a Letter of Requirements.

The notification of claim shall include:

1. Brief note on incident (Including Date & Time of incident)
2. Details of the Affected Customer Account/name of the concerned person/ contact details of the Nominee to be contacted.
3. Claim intimation should be within one eighty (180) days from the date of accident. Delay in Intimation will be considered under genuine and circumstances of the particular claim.

Dept. – Personal Accident for Bank of Baroda A/c holders through Non-Defence/Civilians Salary/Savings/ Current Accounts

It is agreed and understood that documentation forms an important component of any insurance claim. 

Branch Manager of the Bank where the account exists will send duly filled, signed & stamped claim form along with all the relevant claim documents required to the address mentioned below

Ms. Arati Dhamapurkar / Mr. Akshay Zade

Anand Rathi Insurance Brokers

Regent Chambers, 10th Floor,

Jamnalal Bajaj Marg, Nariman Point,

Mumbai -400021, India.

Tel. No. 8452861094, 022 4909 3048

 

Claim Documents once received will be scrutinized by Anand Rathi insurance Brokers team and the same will be submitted to Insurer. ARIBIL WILL SEND AN ACKNOWLEDGEMENT OF CLAIM RECIPT TO THE BRANCH OVER MAIL UNDER COPY TO RETAIL LIABILITY.

The Claimant/Nominee shall arrange for submission of the following documents towards substantiation of the claim within 180 days from date of intimation of claim for onward submission to ARIBL:

• All supporting documents relating to the claim must be submitted within one eighty (180) days from the date of intimation.
• The eligible claims will be settled in thirty (30) working days from the date of receiving the complete documents set.
• In case documents are not received within one eighty (180) days of claim intimation, 1^st reminder, hard copy letter will be issued immediately to Member Bank, followed by an email communication.
• 2^nd reminder mail/ hard copy letter will be sent after (190) days from claim intimation followed by an email
• Closure letter, hard copy letter will be sent to Bank after 30 days from the 2^nd reminder mail/ hard copy letter in case of no communication received from Bank.
• All other documents should be certified/ verified from original by the Bank;
• If documents are in Regional Language, they should be submitted duly translated in Hind/ English;
• Payment of claim will be done to the Bank in the respective Account

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INVESTIGATOR APPOINTMENT (SPECIFIC CASES THAT NEED DETAILED INVESTIGATION)

• Based on the merit of the claim, Insurer’s investigation team shall be appointed. TAT: T +3 (T is the day on which the claim documents received from the Bank).
• In 45 days, Investigation report will be finalized. If there is a delay because of the some more facts, an interim report will be requested.

CLAIMS FOLLOW UP / PROCESSING

The reminders shall be sent by Anand Rathi to Bank at regular intervals for pending claim documents, a communication via letter in hard copy / email will be sent to client with defined timeline.

Reminder process would be same for the documents deficiency also.

1. 1^st reminder T+180 days
2. 2^nd reminder T+190 days
3. Closure Letter T+220 days

T is Date of Intimation

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CLAIM PAYMENT

Once the claim is approved the payment in the form of NEFT shall be done to the account holder beneficiary (in case of Disablement) / to Nominee or legal heir (in case of Death) along with a covering letter.

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DOCUMENT CHECK LIST

Accidental Death & Air Accident Insurance Claim:-

• Claim Form duly completed and signed.
• Original Death Certificate.
• Original or Certified copy of FIR, Panchnama / Inquest Panchnama / Hospital Report
• Original or certified copy of Post Mortem Report along with Chemical Analysis/FSL Reports (wherever applicable).
• Copy of Aadhaar card of Account holder and nominee or any other officially / legally valid ID proof

Others as follows:-

• Declaration from the Bank Home Branch, where account is opened / operated, duly signed by authorized signatory and bank stamp
• Declaration from Bank specifying that the account holder is through Non-Defence/Civilian Account holder.
• Account is active/ operative.
• NEFT details of the claimant certified by the claimant's bank.

1. Nominee details to be furnished with details like Name, D.O.B and Relation wherever available.
2. Other Suitable document to prove Legal heirs (Applicable in case if claimant is not a nominee/Joint account holder as per Bank’s record)

• Brief description of the incident/ accident
• For Air Accident: Air Ticket using BOB Debit card/ Internet Banking/ Boarding Pass.

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Permanent Partial Disability/Permanent Total Disability-

• Claim Form duly completed and signed.
• Discharge card along with case history confirmation therein duration & percentage of disability duly certified by the concerned/treating Physician/Surgeon.
• All investigation report in original copies* thereof in respect of tests had undergone pertaining to accident.
• Copy of Aadhaar card of Account holder and/or nominee or any officially valid document.
• Declaration from the Bank Home Branch, where account is opened/operated, duly signed by authorized signatory and bank stamp:
• Declaration from Bank specifying that the account holder is through Salary/ Saving/Current accounts with the bank. (Format will be provided.)
• Account is active/ operative.
• NEFT details of the claimant certified by the claimant's bank.
• Nominee details to be furnished with details like Name, D.O.B and Relation wherever available.
• Other Suitable document to prove Legal heirs (Applicable in case if claimant is not a nominee/Joint account holder as per Bank’s record)
• Brief description of the incident/ accident

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Escalation Matrix:-Marketing and Servicing

Anand Rathi Insurance Brokers Ltd.

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STANDARD EXCLUSIONS UNDER THE POLICY:

THEFOLLOWING EXCLUSIONS NEED TO BE TAKEN NOTE OF BESIDES THE OTHERS AS PER THE STANDARD GROUP PERSONAL ACCIDENT CLAUSE:

1. Payment of compensation in respect of Death, injury of Disablement of the Insured person (a) from intentional self-injury, suicide or attempted suicide, (b) whilst under the influence of intoxicating liquor or drugs (c) directly or indirectly caused by venereal diseases, aids or insanity, (d) arising or resulting from the insured person committing any breach of law with criminal intent,(e) whilst engaging in Aviation or Ballooning whilst mounting into, dismounting from or traveling in any balloon or aircraft other than as a passenger (fare paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world
2. Payment of compensation in respect of Death, Injury or Disablement of the Insured person due to or arising out of or directly of indirectly connected with or traceable to: War, Invasion, Act or foreign enemy, Hostilities (whether war be declared or not), Civil War, Rebellion, Revolution, Insurrection, Mutiny, Military or Usurped Power Seizure, Capture, Arrests, Restraints and Detainments of all kings, princes and people of whatsoever nation condition or quality.
3. Payment of Compensation in respect of death of, or bodily injury or any disease or illness to the Insured person –

• Directly or indirectly caused by or contributed to by or arising from ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purpose of this exception, combustion shall include any self-sustaining process of nuclear fission.
• Directly or indirectly caused by or contributed to by or arising from nuclear weapons material.

1. The Insurance under this Policy shall not extend to cover death disablement resulting directly or Indirectly caused, contributed to or aggravated or prolonged by childbirth or pregnancy or in consequence thereof.

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BREAKUP UP OF INSURANCE:

Personal Accident Benefit through the Non-Defence/Civilian account holders in BOB as mentioned below:

Insurance company - United India Insurance Company Limited

Policy Number - 120800422P105011461

Period of Insurance - From 00:00 Hrs of 12/08/2022 to Midnight of 11/08/2023

Contact number for information and query - 022-25402446

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