View and download policies, proposal forms, detailed wordings, network hospital list etc.
See escalation matrix, send service requests, track progress, get acknowledgements etc.
Intimate claim, fill claim form, share documents, track status, get reminders etc.
Life cover with flexibility in choosing the plan, offer secure income in event of disability and flexibility to increase the amount of coverage at key stages of life like marriage and child birth.
It is possible to have multiple sums assured in the policy. Coverage can vary by grade, designation, number of dependents, marital status, profile and salary.
Policyholders can increase the sum assured of the members during the year due to salary hike, promotions or any other valid reasons, but the definition for the cover should not change for the group.
Easy and prompt claim settlement within specified turn around time.
Under a group term life insurance policy, it is important to disclose exact nature of work. Since the risk varies considerably based on a person’s occupation, claims are rejected if information is found to be false at the time of claim.
It is necessary to reveal complete information to insurers. If customers hide any important facts or information like age, current medical conditions or existing policy details while submitting the form, then you claims are bound to get rejected.
Customers generally ignore the renewal process due to which the claimed filed between the renewal gap are rejected. We prevent this by sending timely renewal reminders.
Provide the completed claim form, insurance policy correspondence with death certificate and post mortem report.
Policy can be enhanced with some rider plans to cover accidental death benefit, accidental disability benefit and critical illness benefits.
The only exclusion to death benefit i.e., suicide can be removed for employer-employee groups. For voluntary groups, if the life insures covered dies by suicide within one year after effective date or date of commencement of coverage no sum assured will be paid.
We have specialized employee benefits underwriters and tie-ups with international experts.
We work with all insurers to get you the best options- both in terms of price and features.
Cover notes are issued within hours of request. This documentation is sufficient for any contractual requirement.
We manage all aspects of your claim - from preparing documentation to follow-up with the insurer.
We will advice you on risk management best practices.
See all your contracts renewal information in one place. Place service requests on PAM.