View and download policies, proposal forms, detailed wordings and 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.
Exact job nature needs to be disclosed at the time of policy issuance. Insurers consider travelers to sanctioned countries, or staff engaged in off-shore work, as high risk. Non-disclosure could lead to claim rejection.
Pre-existing ailments if not disclosed at the time of issuance can lead to claim rejection. Quantum of consumption of alcohol and tobacco needs to be disclosed as well. However, the insurance can be structured such that disclosures are not needed.
Non-timely renewal payment will lead to policy lapse. Insured should ensure premiums are paid within due date or at most within the grace period offered after the due date.
Original policy document, death certificate, medical records (such as discharge summary in case of hospitalization before death), KYC documents of the insured and nominee.
Riders such as Critical Illness, Accidental Disability, and Accidental Death can be bought along with term insurance.
Suicide is the only exclusion in a term insurance policy. This is also applicable only for the first year. Riders have specific exclusions not affecting the base cover.
We have specialized 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.
