Required Document

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Required Document

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.
If on spot death, medical cause of death certificate.
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

Air Accident Insurance

Claim is payable under Air Accident only if proper documents as mentioned below is submitted at your nearest Kotak Bank branch:

Copy of Debit card statement for purchase of airline ticket(s)
Duly completed Claim Form in all the respect
Mandate form for making payment through NEFT supported by cancelled cheque copy
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
Copy of certification from airline if death is due to Air Accident

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

Insurance On Debit Card

Required Document