How to claim benefits/compensations from insurers and banks in case of late intimation?

To claim benefits and compensations from insurers and banks, follow these steps: Health Insurance Policy

 1. *Notify the Insurer*: Inform the health insurance company about your mother's accidental death and your intention to claim the fixed monetary benefit. Provide necessary documents, including the policy document, death certificate, and accident report.

 2. *Submit Claim Form*: Fill out the claim form and attach required documents, such as proof of identity and address, medical records, and post-mortem report (if applicable).

3. *Check Policy Status*: Verify if the policy was active at the time of death and if premiums were paid up-to-date. PMSBY Government Insurance Scheme 

1. *Contact Public Sector Bank*: Reach out to the public sector bank where the PMSBY policy was purchased and inform them about your mother's death. 

2. *Gather Documents*: Collect necessary documents, including the policy document, death certificate, and proof of identity and address. 

3. *Re-initiate Re-KYC*: Complete the Re-KYC process to reactivate the policy and claim benefits. Bank Accounts 

1. *Contact Banks*: Inform the banks about your mother's death and inquire about potential benefits or compensations. 

2. *Gather Documents*: Provide necessary documents, including death certificate, proof of identity and address, and succession certificate (if required).

 3. *Claim Benefits*: Claim benefits or compensations available, such as accidental death benefits or deposit-linked insurance claims. Additional Tips -

 *Consult an Advocate*: Consider consulting an advocate specializing in consumer cases to guide you through the claims process. -

*Keep Records*: Maintain records of all correspondence and documents submitted to insurers and banks. - 

*Follow Up*: Regularly follow up with insurers and banks to ensure timely processing of claims. Some key documents to gather include - 

*Death Certificate*: Original death certificate - 

*Policy Documents*: Original policy documents for health insurance and PMSBY - 

*Proof of Identity and Address*: Proof of identity and address for you and your mother - 

*Accident Report*: Accident report or FIR (if applicable) -

 *Medical Records*: Medical records or post-mortem report (if applicable) You can search for advocates specializing in consumer cases on online platforms like Lawyers Club India or consult with local bar associations for recommendations.

Normal health insurance covers hospitalization expenses, not death.
However, if your mother’s policy had a Personal Accident Cover or Accidental Death Rider, then a lump-sum death benefit is payable.
Most debit/ATM cards issued by banks in India come with free accidental insurance cover (linked with usage conditions, e.g., at least 1 transaction in the last 45/90 days).
The sum assured varies (₹50,000 to ₹10 lakh depending on the bank and card type).
Insurance policies (health/accident/life): Normally, claims must be filed immediately or from the date of cause of action (death in this case).within 30–90 days, but insurers may allow late claims if you give a valid reason.
Under the Limitation Act, 1963, the period to file a suit against an insurer is 3 years from the date of cause of action (death in this case).
Even if the initial claim period (90 days) is over, you can still apply with justification. Beyond 3 years, your legal right lapses.

What type of insurance such as health, life, accident etc. was taken by / for  the deceased ?

Health insurance policy do not cover accidental death.

Whether your mother was holding a Bank debit / credit card ? If so, she is insured for life, accidental death etc.

The facts posted are very long, vague and not specific.

It is better to consult a local prudent lawyer with relevant records for proper a analyses, professional advise and necessary proceeding.

Dear Sir, 

I have mentioned the insurance policies' type (one was a health insurance policy & the one was an accidental insurance policy from the central government).

The purchased health insurance policy does cover accidental death. I have read the policy documents.

All debit cards, I have mentioned this too, though I am not aware of the benefits/compensations that come along with those.

Seek guidance from a local prudent lawyer / a banker / insurance agent.