IndiaFirst Life Death Claim Process at a Glance
A IndiaFirst Life death claim is the process by which the nominee (or legal heir) of a deceased policyholder claims the sum assured under a IndiaFirst Life term or life insurance policy. IndiaFirst Life is the Bank of Baroda–backed life insurer, and settled 97.6% of death claims by count in FY 2024-25 (IRDAI).
This guide walks a nominee through the complete IndiaFirst Life death claim – immediate intimation, the document checklist, claim-form submission, the settlement timeline, and the escalation path if the claim is delayed or contested. Sources are IndiaFirst Life's official claim documentation and IRDAI rules as of June 2026; verify the latest helpline numbers on indiafirstlife.com before relying on them.
If you have just lost a family member, you do not need to do everything today. Intimate IndiaFirst Life (a phone call is enough to start), then gather documents over the following week. NYVO can do the rest with you – free.
Quick Reference: IndiaFirst Life Claim Helpline and Channels
| Channel | Detail |
|---|---|
| Claim helpline | 1800-209-8700 |
| Claims email | claims.support@indiafirstlife.com |
| File a claim online | indiafirstlife.com claim portal |
| Claim settlement ratio (FY24-25) | 97.6% (by claim count, IRDAI) |
| Website | indiafirstlife.com |
Keep the policy number and the policyholder's date of death handy on the first call – the claims desk asks for both to register the claim and issue a claim reference number.
Step 1: Intimate IndiaFirst Life Immediately (within 24-48 hours)
Intimation starts the clock. It does not require all documents – a phone call or email with basic details is enough to register the claim.
Call IndiaFirst Life on 1800-209-8700 – give the policyholder's name, policy number, date of death, and the cause in one line. Note down the claim reference number.
Send written intimation – email claims.support@indiafirstlife.com (and, for high-value policies, a registered post) with the same details. Keep the acknowledgement.
What to communicate: policyholder name and policy number, date and place of death, brief cause (illness / accident / natural), and the nominee's name and contact details.
Early intimation matters more than complete paperwork. File first; gather documents next.
Step 2: Collect the Claim Documents
Essential documents (always required)
| Document | Notes |
|---|---|
| Death claim form | Download from indiafirstlife.com or collect from a IndiaFirst Life branch |
| Original / certified death certificate | From the municipal authority |
| Original policy document | A copy or e-policy works if the original is lost |
| Nominee's ID + address proof | Aadhaar / PAN / Passport |
| Nominee's cancelled cheque + bank details | Payout is by NEFT to the nominee |
If death was due to illness
Hospital discharge summary, admission records, the treating doctor's certificate of cause of death, treatment records, and diagnostic reports.
If death was accidental / unnatural
FIR copy, panchnama (inquest report), post-mortem report, and any newspaper clipping. For a road accident while driving: driving licence and vehicle RC.
Special situations
- Minor nominee – appointee's KYC + relationship proof
- No nominee named – succession certificate or legal-heir certificate (this delays settlement; always keep nomination updated)
- Policyholder was NRI / death abroad – consulate/embassy-attested death certificate and passport copy
A printable master checklist is in our Term Insurance Death Claim Checklist.
Step 3: Submit the IndiaFirst Life Claim Form
- Fill the IndiaFirst Life death claim form completely – no blank fields.
- Attach all documents; keep a photocopy/scan of everything.
- Submit via the indiafirstlife.com online claim portal (fastest), a IndiaFirst Life branch, or registered post.
- Collect the submission acknowledgement and the claim reference number.
Step 4: Track and Cooperate with Verification
- Track status on the indiafirstlife.com claim portal or by calling 1800-209-8700 with the claim reference number.
- Respond to queries within 7 days – incomplete responses are the most common cause of delay.
- Early claims are scrutinised. Under Section 45 of the Insurance Act, a claim in the first 3 years of the policy can be investigated. Cooperate fully, provide documents promptly, and never sign blank papers.
Step 5: Settlement
Per IRDAI rules, IndiaFirst Life must settle or repudiate a death claim within 30 days of receiving complete documents. If an investigation is required (typically for early claims), it must be completed and the claim settled within 90 days of intimation. Payout is by NEFT to the nominee's bank account.
IndiaFirst Life's 97.6% claim settlement ratio means roughly 97.6% of all death claims by count were paid in FY 2024-25 – but a clean, complete, honestly-disclosed policy is what keeps an individual claim out of the rejected minority.
Common Reasons a Death Claim Is Delayed or Rejected
| Reason | How to avoid |
|---|---|
| Non-disclosure of a pre-existing condition | Everything should have been disclosed at the proposal stage |
| Smoking / tobacco misrepresentation | Honesty at purchase – even "occasional" use |
| Policy lapsed (premium unpaid) | Check policy status; revive before claiming if lapsed |
| Suicide within the 12-month exclusion | Most policies exclude suicide in the first 12 months |
| Incomplete documents | Submit the full checklist together |
After 3 years, a claim cannot be repudiated for non-disclosure alone (Section 45) except in cases of proven fraud.
If the IndiaFirst Life Claim Is Delayed or Rejected
- Get the rejection in writing with the specific reason and policy clause.
- Escalate to the IndiaFirst Life grievance cell via indiafirstlife.com – the insurer must respond within 15 working days.
- IRDAI Grievance Portal – file at igms.irdai.gov.in if unresolved.
- Insurance Ombudsman – file at cioins.co.in within one year; binding up to ₹50 lakhs for personal-lines policies. Full walkthrough: IRDAI Ombudsman Guide.
How NYVO Can Help with a IndiaFirst Life Death Claim
Losing someone is hard enough without fighting an insurer. NYVO offers free death-claim support to IndiaFirst Life nominees, regardless of where the policy was bought. The team will:
- Trace the policy and confirm the sum assured and nominee on record
- Build the document checklist specific to the cause of death
- Intimate IndiaFirst Life and follow up on the claim reference
- Draft the grievance letter if the claim stalls or is contested
- File the Ombudsman complaint on your behalf if needed
Call or WhatsApp the NYVO claims line – number on the contact page. Free, no obligation.
Frequently Asked Questions
What is the IndiaFirst Life claim helpline number?
The IndiaFirst Life claim helpline is 1800-209-8700, and the claims email is claims.support@indiafirstlife.com. You can also register and track a death claim through the indiafirstlife.com online claim portal. Keep the policy number and the policyholder's date of death ready when you call.
What is IndiaFirst Life's claim settlement ratio?
IndiaFirst Life's death-claim settlement ratio was 97.6% by claim count in FY 2024-25 per IRDAI data. The claim settlement ratio is the percentage of death claims paid out of all claims received in a financial year – a key signal of how reliably an insurer pays nominees.
How long does IndiaFirst Life take to settle a death claim?
Per IRDAI rules, IndiaFirst Life must settle or reject a death claim within 30 days of receiving complete documents. If the claim requires investigation – common for claims in the first 3 policy years – it must be settled within 90 days of intimation. Payout is by NEFT to the nominee's account.
How do I check my IndiaFirst Life claim status?
Log in to the indiafirstlife.com claim portal and open the claims section, or call 1800-209-8700 with your claim reference number. Note the reference number given at intimation – it is the fastest way to track progress.
What documents are needed for a IndiaFirst Life death claim?
The death claim form, original/certified death certificate, policy document, the nominee's ID and bank details, plus medical records (if death was due to illness) or FIR and post-mortem report (if accidental). The full checklist is in our Death Claim Checklist.
What if there is no nominee in the IndiaFirst Life policy?
IndiaFirst Life will require a succession certificate or legal-heir certificate from a court, which delays settlement significantly. This is why keeping the nomination updated matters. See Nominee vs Legal Heir & KYC Mismatch.
Can IndiaFirst Life reject a claim made within the first few years?
Claims in the first 3 years can be investigated under Section 45 of the Insurance Act. After 3 years, a claim cannot be repudiated for non-disclosure alone, except in cases of proven fraud. Honest disclosure at the proposal stage is the best protection.
Does IndiaFirst Life pay a death claim for suicide?
Most term and life policies, including IndiaFirst Life's, exclude death by suicide within the first 12 months of policy inception or revival; the premiums paid (or a portion) are typically refunded instead. After 12 months, suicide is generally covered. Always check the specific policy wording.
Related guides:
Sources:
- IndiaFirst Life Insurance Company Limited official claim documentation, indiafirstlife.com (helpline and process verified June 2026)
- IRDAI Annual Report 2024-25 – claim settlement ratios by insurer
- Insurance Act 1938, Section 45 (policy not callable in question after three years)
- Council for Insurance Ombudsmen – cioins.co.in
