Dedicated Claims Concierge

Swift Settlements.
Direct to Your Nominee Bank.

When unexpected adversity strikes, your family needs compassionate support, not endless paperwork. We assign a personal Claim Officer to handle your case end-to-end.

Live Lookup

Track Existing Claim Status

Enter your Policy Mobile Number or Claim ID to view real-time timeline

Zero Hassle

How to File a Claim in 3 Steps

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1. Instant Intimation

Call our 24/7 claim desk or simply send a message on WhatsApp at +91 78360 15566. You are connected with an advisor speaking your language immediately.

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2. Smartphone Upload

Snap clean photos of basic hospitalization bills, admission summary, or incident reports. No courier or in-person visits required.

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3. Direct Disbursal

Following rapid digital audit, claim compensation is credited directly into the registered nominee’s bank account via IMPS/NEFT within 48 hours.

Document Requirements

What You Need to Provide

check_box Nominee Identification Proof

Nepali Citizenship (Nagarikta), Passport, or Indian Aadhaar card of the nominated family member.

check_box Policy Digital Certificate

Your policy certificate or welcome receipt received on WhatsApp upon enrollment.

check_box Hospitalization Bills (If Medical)

Hospital discharge card, inpatient summary, and itemized billing receipts.

check_box Bank Account Details / Passbook

Cancelled cheque or first page of bank passbook displaying Account Number and IFSC code.

Statutory SLAs

Audited Claim Settlement Timelines & Guarantees

We adhere strictly to the IRDAI (Protection of Policyholders' Interests) Regulations, 2017. Timelines are legally enforceable and backed by statutory interest penalty compensations.

Claim Category Maximum Turnaround Time (TAT) Statutory Benchmark Delay Penalty Compensation
Clean / Non-Investigated Death Claims
Policies active for > 3 years with complete papers
 Within 48 Hours IRDAI Regulation 14(9): Max 30 Days Bank Rate + 2% p.a. compound interest after Day 30
Early Death Claims (Within 3 Years)
Mandatory statutory verification period
 15 to 30 Days IRDAI Investigation Cap: 90 Days Statutory interest payable from Day 30 of claim submission
Critical Illness Accelerated Payout
Upon clinical diagnosis & 14-day survival
 72 Hours Medical Board Fast-Track Protocol Direct hospital cashless authorization within 2 hours
Maturity & Survival Benefit Transfers
Automated maturity schedule execution
 Exact Due Date (Same Day) Automated Core Insurance Banking SLA Immediate NEFT/IMPS credit with zero transaction deductions
Documentation Standards

Exhaustive Claim Dossier Matrix

Avoid settlement delays by submitting required documents as per your claim archetype. Digital scans and camera photos are fully accepted.

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Natural Demise Claim

Standard claims arising from age, medical conditions, or illness.

check_circle Form ML-CLM-01: Fully signed Claim Intimation & Statement of Nominee.
check_circle Death Certificate: Issued by Municipal Corporation or Gram Panchayat.
check_circle Medical Attendant Certificate: Form B completed by the treating physician.
check_circle Original Policy Certificate: Digital PDF policy copy or original bond.
check_circle Nominee KYC & Bank Mandate: Cancelled cheque and Nagarikta/Aadhaar.
Settlement window: 48 Hours upon complete verification
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Accidental Death (Double SA)

Triggers base Sum Assured + 100% additional AD&D rider payout.

check_circle All Natural Demise Documents: Claim form, death certificate, and KYC.
check_circle Police First Information Report (FIR): Certified true copy of police FIR.
check_circle Post-Mortem / Autopsy Report: Detail chemical/viscera report if ordered.
check_circle Police Panchnama / Final Report: Concluding accidental nature of casualty.
check_circle Driving Licence: If insured was operating a motor vehicle at the time.
Double Sum Assured automatically calculated and disbursed
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Critical Illness & PTD Claims

Living benefits paid directly to the insured policyholder.

check_circle Form ML-CI-02: Critical Illness Intimation & Attending Specialist Form.
check_circle Histopathology & Diagnostic Reports: Biopsy, ECG/Angiography, MRI/CT scans.
check_circle Hospital Inpatient Discharge Summary: Complete indoor admission record.
check_circle Disability Assessment Certificate: Issued by Medical Board for PTD claims.
check_circle Waiver of Premium Mandate: Automatic waiver of future renewal payments.
Policy stays fully in force; all future bonuses continue intact
Bilateral Indo-Nepal Framework

Cross-Border Remittances Directly into Nepalese Bank Accounts

Under our bilateral financial operating treaties with major cross-border banks, families residing in Nepal receive death claims and maturity benefits in Nepalese Rupees (NPR) without travelling to India or navigating foreign exchange bureaucracy.

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Official Central Bank Pegged Conversion: Disbursements are converted at the official Nepal Rastra Bank fixed exchange rate (1 INR = 1.60 NPR) with zero commission or middleman haircut.
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Direct Remittance Partner Banks in Nepal: Instant NEFT/RTGS into Nepal SBI Bank, Everest Bank (PNB Affiliate), Himalayan Bank, Rastriya Banijya Bank, and Nabil Bank.
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Liaison Helpdesk at Embassy of Nepal, New Delhi: Dedicated facilitation desk for consular validation of legal heir certificates and power of attorney documents.

task_alt Nepalese Local Body Document Acceptance

Mahalaxmi officially recognizes standard municipal and district administration certificates issued across all 7 provinces of Nepal:

Death Registration Certificate (Mrityu Darta) Accepted (Ward Office)
Family Relationship Certificate (Nata Pramanit) Accepted (Gaunpalika/Nagarpalika)
Nepali Citizenship (Nagarikta Pramanpatra) Accepted (District Admin Office)
Consular Verification (If residing abroad) Accepted (Nepali Embassy)
contact_phone Direct Cross-Border Claim Hotline: +91 78360 15566 (Speaks Nepali, Maithili & Hindi)
Statutory Protection

Office of the Insurance Ombudsman Directory

Under Rule 17 of the Insurance Ombudsman Rules, 2017, policyholders have the statutory right to seek free, independent arbitration before the Insurance Ombudsman if an insurer fails to settle or repudiates an eligible claim.

Delhi & NCR Jurisdiction: DL, Faridabad, Gurugram

Office of Ombudsman — Delhi

2/2 A, Universal Insurance Bldg., Asaf Ali Road, New Delhi – 110002.

Tel: 011-23232481 / 23213504
Uttar Pradesh Jurisdiction: UP & Uttarakhand

Office of Ombudsman — Lucknow

6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow – 226001.

Tel: 0522-2231330 / 2231331
Bihar & Nepal Border Jurisdiction: Bihar & Jharkhand

Office of Ombudsman — Patna

2nd Floor, Lalit Bhawan, Bailey Road, Patna – 800001.

Tel: 0612-2547068
West Bengal Jurisdiction: WB, Sikkim & North East

Office of Ombudsman — Kolkata

Hindustan Bldg. Annexe, 4, C.R. Avenue, Kolkata – 700072.

Tel: 033-22124339 / 22124340
Online Complaints Portal: Council for Insurance Ombudsmen (cioins.co.in) | Free of cost to policyholders.