insurance regulatory and development authority of india irdai has issued guidelines for settlement of insurance claims by kerala flood victims the regulator has asked insurance companies to streamline the claims process to mitigate the hardships of the affected insured population of the state the insurers have been asked to initiate immediate steps for quick registration and disposal of claims point of contacteach insurer is required to appoint a senior officer who would act as a nodal officer for the state and coordinate the settlement of all eligible claims that are reported in kerala insurance companies are coming forward with easy claim settlement process for the quick settlement of the claims dhfl pramerica life insurance has simplified the claim documentation requirements and have appointed nodal officers to oversee the claim settlement process to help the bereaved families we have set up a flood claims helpdesk and have appointed nodal officers for rendering proactive services to the beneficiaries of the affected policyholders the process of claim documentation has also been simplified in order to expedite the claim settlements quickly said mr anoop pabby managing director and ceo dhfl pramerica life insurance the company has issued a list of the documents required to process the claim municipal death certificate or death certified by any competent government authority like local government of kerala armed forces government hospitals police authority completely filled death claim form claimant id residence proof bank account details to ensure claims are paid to correct beneficiaryin cases where obtaining death certificate is difficultif there are any death claims and death certificate is difficult to obtain on account of nonrecovery of body etc the process followed in the case of jammu kashmir floods notification of ministry of home affairs goino 1122014vscrs dated 12092014 which was also followed when the tamil nadu floods occurred may be consideredin a separate circular the regulator has asked insurers that with regard to claims involving loss of life where difficulty is experienced in obtaining a death certificate due to nonrecovery of body etc the process followed in the case of chennai floods in 2015 may be considered the regulator essentially says that a suitably simplified processprocedure including relaxations in the usual requirements wherever feasible may be considered to expedite claims settlementother measuresthe insurers have also been asked by the irdai to take following measures details of officesspecial camps set up for the purpose may be publicized in press and through state government to enable filing of claims it needs to be ensured that all claims are surveyed immediately and claim paymentson account payments are disbursed early adequate number of surveyors may be engaged immediately in the affected districts insurers have also been asked to launch extensive awareness campaign in the state duly highlighting the measures taken by them in order to gauge the magnitude of the loss all nonlife insurers including standalone health insurers are advised to submit information relating to insurance claims in kerala on a daily basis in the