Death Claim Verification

Death Claim Verification

Death Claim Verification

Death claim verification is a critical and sensitive investigative process in the insurance industry. When a claim is filed, insurance companies must ensure the claim is legitimate to protect against "Early Death" fraud or fabricated documentation. This involves a comprehensive field investigation to verify the occurrence of death, the identity of the deceased, and the circumstances surrounding the event.

At Aziza, we understand the balance between empathy for the bereaved family and the necessity of rigorous scrutiny. Our team conducts on-ground visits to confirm the facts before any financial disbursement occurs, safeguarding the insurer's interests.

Why Death Claim Verification is Essential:

  • Verification of Occurrence: Confirming if the death actually took place at the stated time and location.
  • Identification Check: Ensuring the person deceased is the same individual covered under the insurance policy.
  • Cause of Death Analysis: Investigating if the death was natural, accidental, or falls under policy exclusions (e.g., self-inflicted or pre-existing conditions not disclosed).
  • Document Authenticity: Scrutinizing the death certificate, burial/cremation permits, and hospital discharge summaries for potential forgery.

Our Verification Process:

Aziza employs a multi-step verification strategy to ensure 100% accuracy:

  • Field Visits: Our investigators visit the residence of the claimant, the hospital where the death occurred, and the local municipal office.
  • Neighbor/Community Check: Discrepancies are often caught by discreetly talking to neighbors or local community members to confirm the death and the lifestyle of the deceased.
  • Medical Facility Scrutiny: We verify hospital records, admission history, and the treating doctor's credentials to ensure the medical history matches the claim.
  • Final Reporting: A detailed report with photographic evidence (where applicable) and verified documents is provided to the insurance company for claim settlement.

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