Aditya Birla Sun Life Death Claim Process: Complete Guide for Families
If your loved one had an Aditya Birla Sun Life (ABSLI) policy, here’s exactly how to claim it.
Aditya Birla Sun Life Insurance is a joint venture between the Aditya Birla Group and Sun Life Financial of Canada. With a 98.40% claim settlement ratio and an impressive average turnaround time of just 2.4 days, they’ve built a reputation for quick claim processing.
Here’s everything you need to know.
Quick Answer: How ABSLI Death Claims Work
- Intimate the claim → Call, online, email, or visit branch
- Submit documents → Death certificate, claim form, ID proofs
- ABSLI verifies → Reviews and processes
- Receive payment → Average turnaround: 2.4 days
Timeline: Average 2.4 days from receipt of all documents.
Success rate: ABSLI’s Claim Settlement Ratio for 2023-24 is 98.40%.
Ways to Report Your Claim
1. Toll-Free Helpline
- Call 1800 270 7000 (for domestic customers)
- Available during business hours
2. NRI Helpline
- Call +91 8045860777
- For customers calling from abroad
3. Online Portal
- Visit lifeinsurance.adityabirlacapital.com
- File claims and track status online
- Upload documents digitally
4. Email
- Send to [email protected]
- Attach scanned documents
5. Branch Visit
- Visit any ABSLI branch
- Submit documents in person
- Get acknowledgment receipt
Documents You’ll Need
Mandatory Documents (All Claims)
| Document | Details |
|---|---|
| Death Claim Form | Download from ABSLI website |
| Death Certificate | Original or attested copy |
| Claimant’s ID Proof | Aadhaar, PAN, passport, or voter ID |
| Claimant’s Address Proof | Aadhaar, utility bill, or bank statement |
| Cancelled Cheque | With claimant’s name and account number |
| NEFT Mandate Form | For bank transfer |
| Policy Document | Original (if available) |
Additional Documents (If Applicable)
| Situation | Additional Documents |
|---|---|
| Accidental death | FIR, post-mortem report, police final report |
| Death within 3 years | Medical records, hospital documents |
| No nominee | Legal heir certificate or succession certificate |
| Nominee is minor | Appointee’s ID and address proof |
| Hospitalization | Hospital records, discharge summary |
Step-by-Step Claim Process
Step 1: Intimate the Claim
Contact ABSLI through any channel:
- Toll-free: 1800 270 7000
- NRI: +91 8045860777
- Email: [email protected]
- Online: lifeinsurance.adityabirlacapital.com
You’ll receive a claim reference number and list of required documents.
Step 2: Get the Claim Form
Download from:
- ABSLI Customer Service Portal
- Or collect from any ABSLI branch
Fill it completely with accurate details.
Step 3: Gather Documents
Collect all required documents:
- Death certificate (original or attested)
- Claimant’s ID and address proof
- Cancelled cheque
- Policy document (if available)
- Medical records (for early death claims)
Step 4: Submit Documents
Submit at:
- Any ABSLI branch
- Through online portal
- Via email with scanned copies
Get an acknowledgment receipt and note the claim reference number.
Step 5: Verification
ABSLI reviews your claim:
- Policies 3+ years old: Mostly document verification
- Policies under 3 years: May include investigation
If additional documents are needed, ABSLI will contact you.
Step 6: Settlement
Once approved:
- Average turnaround: 2.4 days from complete documentation
- Payment transferred to claimant’s bank account
- Settlement confirmation sent via SMS/email
Timeline: How Long Does It Take?
| Metric | Timeline |
|---|---|
| Average ABSLI turnaround | 2.4 days |
| IRDAI-mandated (non-investigation) | 15 days |
| IRDAI-mandated (with investigation) | 45 days |
| Interest if delayed | Bank Rate + 2% per annum |
Note: The 2.4-day average applies when all documents are complete and no investigation is required.
What If the Policy Document is Lost?
You can still claim:
- Report the claim normally
- Provide the policy number (check old SMS, emails, or premium receipts)
- ABSLI will verify from their records
- Sign an indemnity bond if required
The policy document isn’t mandatory if you have the policy number.
Common Reasons Claims Get Rejected
1. Non-Disclosure
If the policyholder didn’t disclose:
- Pre-existing medical conditions
- Smoking or alcohol habits
- Hazardous occupation or hobbies
2. Policy Lapse
Premiums not paid and grace period expired. Check policy status before filing.
3. Exclusion Period
Some policies have waiting periods for certain causes of death.
4. Incomplete Documents
Missing or illegible documents can delay or complicate claims.
What If Your Claim is Rejected?
Level 1: ABSLI Grievance
- Email: [email protected]
- Online: Use grievance portal on ABSLI website
- Request detailed reasons for rejection
Level 2: IRDAI Grievance
- Portal: bimabharosa.irdai.gov.in
- Email: [email protected]
- Toll-free: 155255 or 1800 4254 732
Level 3: Insurance Ombudsman
- Award limit: Up to ₹50 lakh
- Binding: Decision is binding on ABSLI
- Timeline: Usually within 3 months
- Cost: Free - no lawyer needed
Find your regional Ombudsman at cioins.co.in.
ABSLI Contact Information
| Purpose | Contact |
|---|---|
| Toll-free | 1800 270 7000 |
| NRI Helpline | +91 8045860777 |
| Claims Email | [email protected] |
| General Email | [email protected] |
| Website | lifeinsurance.adityabirlacapital.com |
Registered Office: Aditya Birla Sun Life Insurance Company Limited, One World Centre, Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013
Tips for Fast Claim Settlement
- Submit complete documents - ABSLI’s 2.4-day average depends on complete paperwork
- Use online portal - Faster than branch visits
- Keep policy number handy - Check old emails or SMS
- NRI customers - Use dedicated NRI helpline for better support
- Follow up regularly - Call toll-free number for updates
- Keep copies - Before submitting any originals
Frequently Asked Questions
How do I track my ABSLI claim?
Call 1800 270 7000 or check online at lifeinsurance.adityabirlacapital.com.
What is ABSLI’s average claim settlement time?
2.4 days from receipt of all required documents, for claims not requiring investigation.
Can NRIs file claims easily?
Yes. ABSLI has a dedicated NRI helpline at +91 8045860777 for international customers.
What if there are multiple nominees?
Claim is split as per the percentage in the policy. All nominees submit documents and sign the claim form.
Can I claim if premiums were pending?
If within grace period (usually 30 days), yes. Otherwise, depends on whether the policy had paid-up value.
What’s the Sun Life connection?
ABSLI is a joint venture between Aditya Birla Group (India) and Sun Life Financial (Canada), one of the largest insurance companies in North America.
The Bottom Line
ABSLI’s 2.4-day average claim turnaround is among the fastest in the industry. Combined with the backing of Aditya Birla Group and Sun Life’s global expertise, they offer reliable claim processing.
Key steps:
- Intimate immediately - Use toll-free number or online portal
- Gather complete documents - Death certificate, ID proofs, bank details
- Submit and track - Use online portal for updates
- Expect fast settlement - 2.4 days average for complete documentation
Organize Your Policy Information
ABSLI’s fast 2.4-day settlement only helps if your family knows the policy exists.
Do they know about all your insurance policies? The policy numbers? Who to contact?
Take a few minutes to document this. It’s the most valuable gift you can give them.
When everything is documented, claims take weeks instead of years. Anshin keeps your financial details organized and shared with the people who matter.