Regarding nominee name mismatch

PRAKASH KILLADA (Querist) 12 June 2021 This query is : Resolved
Dear sir,

One of our friends who has taken term insurance with aditya birla sunlife insurance has recently expired due to covid19 and the name of the nominee(NAME IN NOMINATION FORM : S VAS and ACTUAL NAME OF HIS FATHER : S SURADAS) i.e, his father name mismatches with the nomination in insurance and the actual id proof of his father. He has taken an affidavit for the name confirmation and also attached proofs like ration card where the relationship of the deceased and the nominee present.

Is it sufficient for claim process or any other documents like MANDAL REVENUE OFFICER CERTIFICATE for both names are one and same or THE GAZETTE require for the process of claim?
What is the best option for non rejection of claim???

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A term insurance policyholder with Aditya Birla Sunlife Insurance has passed away, but there's a mismatch between the nominee's father's name on the nomination form and his actual ID proof. The family has obtained an affidavit and other supporting documents. The discussion explores whether these are sufficient for the claim process or if additional documents like a Mandal Revenue Officer certificate or Gazette notification are required. Experts suggest a notarised affidavit confirming the names are the same, potentially supplemented by a public notice in local newspapers and an indemnity bond if the insurer insists, to ensure the claim is processed without rejection.

kavksatyanarayana (Expert) 13 June 2021
A notarised Affidavit by his father stating that S.Vas and S.Surdas are one and the same person.

T. Kalaiselvan, Advocate (Expert) 14 June 2021
Besides an affidavit duly notarized stating that both the names are of the same person and he is one and the same, a public notice in local two newspapers may be required to be published.
If the insurance company is insisting an indemnity bond besides this requirement, then he can execute an indemnity bond indemnifying the insurer against the future losses in this regard, if any.

Dr J C Vashista (Expert) 14 June 2021
I concur advise of experts.
The affidavit, declaring S Vas and S Surdas are one and the same person, is sufficient which should satisfy the insurer.

Sankaranarayanan (Expert) 14 June 2021
Yes you can submit the affidavit accordingly but some insurance people demand Indemnity bond as pointed by the expert Mr.Kaliselvan, if they demand then you need to submit the same too.

P. Venu (Expert) 14 June 2021
The best issue is to discuss the issue with the Insurance Company and follow their guidance.

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