My mother passed away in an accident. She held a health insurance policy that includes fixed-benefit accidental death coverage.
My father predeceased my mother. My brother and I are the only surviving legal heirs of our parents.
I am the sole nominee under the said policy.
For the purpose of claim settlement, the insurance company has requested the following:
1. Furnishing a legal heir certificate
The insurer is asking me to provide a legal heir certificate.
Does the insurer have the legal right to demand such a document, given that a nominee has already been registered under the policy?
Do I have the right to refuse this request, since it does not appear necessary?
(If required, I am willing to provide my brother’s N.O.C. along with an affidavit indemnifying the insurer against any future claims.)
2. Furnishing settlement details of claims with other insurers
The insurer is also asking me to provide details of any claims settled by other insurers with respect to the same event.
Do they have the legal right to request this information?
Since the coverage is fixed-benefit in nature, can the insurer lawfully reduce or deny the claim if another insurer has already paid benefits for the same event?
Please guide.
Thanks in advance.
