Personal Accidental Death Cover
In order to claim the Personal Accident Death Cover, the claimant (nominee of the customer's account / legal heir) should submit the below mentioned documents within 1 month of Cardholder's death, at any nearest Kotak Bank branch.
- Duly completed Claim Form in all the respect
- Original Death Certificate
- Complete Post Mortem Report
- FIR / Panchnama / Inquest Panchnama/For accident cases Spot Panchnama along with photos of accident spot and vehicle involved. If the documents are in Regional Language, then translation of original documents authenticated &/or notarised copy also original in regional language should be there
- Salary Slip for the month prior to the inception of the Policy – If Applicable
- If Death is in the Hospital while taking the treatment, then the Hospitalisation papers etc. to support the claim.
- If incidence is reported to local media, newspaper cuttings of the same.
- Mandate form for making payment through NEFT supported by cancelled cheque copy
- Bank Account Summary of the previous month/s
- Card details along with copy of the card.
- Airline Ticket, along with certification from airline if death is due to Air Accident – applicable only for Air accident Insurance Cover
- Proof of Flight ticket bought by the card holder via their Kotak's Card in case of Death due to Air Accident – applicable only for Air accident Insurance Cover
Exclusions:
The following risk / perils have been explicitly excluded under the policy:
- Injury caused by surgery
- Nuclear energy risk
- Offshore activities
- Suicide
- Under Influence of Alcohol and/or Drugs.
The branch would guide further on the process.
Lost Card Liability
Coverage on Lost Card Liability shall be payable only on PIN based transactions (except for international transactions where PIN is not mandatory). Write to us for details on ATM transactions covered under Lost Card Liability.
- To make a claim, submit the following documents at your nearest Kotak Bank branch:
- Police Acknowledgement of any kind/First Information Report
- Letter to bank branch giving details of the issue
Purchase Protection
Coverage on Purchase Protection shall be payable only on PIN based transactions (except for international transactions where PIN is not mandatory).
To make a claim, submit the following documents at your nearest Kotak Bank branch:
- Original invoice giving value of the item(s) stolen
- Replacement/Repair cost details
- Police Acknowledgement of any kind/First Information Report
- Final Police Report
Lost Baggage Insurance
To make a claim, submit the following documents at your nearest Kotak Bank branch:
- Copy of Debit Card statement for transaction of items in the lost baggage
- Original FIR Report to be obtained from the relevant police authority in the event of loss or theft
- For claims involving jewellery, submit original or certified copies of valuation certificates issued prior to the commencement of the Period of Insurance
- Copy of the old passport of the customer, if available (In case of loss of passport)
- Original embassy receipts OR Passport Office Receipts for the replacement of Passport (In case of loss of passport)
- Emergency travel certificate (In case of loss of passport)
- Copy of the new passport to make a claim, submit the following documents at your nearest Kotak Bank branch:
- Copy of Debit Card statement for transaction of items in the lost baggage
- Original FIR Report to be obtained from the relevant police authority in the event of loss or theft
- For claims involving jewellery, submit original or certified copies of valuation certificates issued prior to the commencement of the Period of Insurance
- Copy of the old passport of the customer, if available (In case of loss of passport)
- Original embassy receipts OR Passport Office Receipts for the replacement of Passport (In case of loss of passport)
- Emergency travel certificate (In case of loss of passport)
- Copy of the new passport
Air Accident Insurance
Claim is payable under Air Accident only if the Kotak Debit Card has been used for at least one financial transaction at ATM/ merchant outlet/online portals, in the last 89 days before the date of mishap.
To make a claim, submit the following documents at your nearest Kotak Bank branch:
- Copy of Debit card statement for purchase of airline ticket(s)
- Original death summary from the hospital (Applicable if death has taken place in hospital)
- Copy of the death certificate from treating doctor or the hospital authority (Applicable if death has taken place in hospital)
- Copy of the first information report from police department / copy of the medico-legal certificate (Applicable if death has taken place in hospital)
- Copy of post mortem examination report (Applicable if death has taken place in hospital)
- Treating doctor's certificate giving details of injuries (How, when and where injury sustained) OR All relevant treatment papers (Applicable if death has taken place in hospital)
- Copy of the legal heir certificate, if the claim is for the death of the principle insured
