Sa-Dhan Newsletter Volume 1 Issue 4

Micro-Insurance

Table7:

Purpose of Claim documents

Important documents at the time of claim

Purpose of the Scrutiny

Insurance Receipt

To verify the name of nominee from office records

Death Certificate

To verify the details of the nominee

Cremation of burial papers

To verify the details of the nominee

Xerox copy of Ration Card

To verify the age of the member- ration Card/ election

card, age of children etc.

Photo of the deceased

To determine the cause of death-acute or chronic illness

2.  Accidental Death

The claim procedure for accidental death is:

1.  Member's relative / nominee intimates Vimo SEWA / Bank/ Aagewan / with claim papers (a) all the

documents that are required for natural death claim, (b) post- mortem Report, (c) police FIR, (d) police

Inquest Report, and (e) ration card

2.  The organized scrutinizes claim papers and allots field visit verification of details to Field worker.

3.  The organizer worker verifies claim details and submits report;

4.  The organizer verifies claims (approves/ rejects them) and sends the approved claims to the LIC Office.

(Difficult claims are referred to the claims committee)

5.  The LIC office approves claims and sends the cheque to SEWA Bank.

6.  Vimo SEWA intimates the member's nominee, urging him to collect the amount.

7.  The member's nominee collects from Vimo SEWA.

3.  Asset Insurance

The claim process of asset insurance is given in Figure 3.

Figure 3: Asset Insurance Claim Process Cycle

ASSET INSURANCE CLAIM PROCESS CYCLE

Member

Cheque

Claim intimation/photos (if any)

AAGEWANS/DIST LEADERS WORKERS

VIMO ORGANISER/AAGEWAN

scrutinizes details & allots claim

List of claims

FIELDWORKER

Visits place/verifies claim details, submits

Reports/takes photos if needed

VIMO SEWA ORGANISER

VIMO SEWA ORGANISER

Approves and decides

Prepares claim with details for claims

amount of claim

committee

CLAIMS COMMITTEE

Rejects

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