DIMAPUR — The Nagaland Finance Department on Monday released a set of guidelines to clarify the claims process for the Chief Minister’s Universal Life Insurance Scheme (CMLIS). The scheme aims to provide financial security to families impacted by the death of a breadwinner or by accidents.
Death of breadwinner
To file a claim for the death of a breadwinner, the department informed that the deceased must be registered on the CMLIS portal. The death should be reported to the Insurance Facilitation Cell at 9366494507 within three weeks. While the cell will assist in documentation, detailed instructions and documentation requirements are available at cmlis.gov.in.
Accidental insurance claims
Defining accident as a “sudden, unforeseen and involuntary event caused by external, violent and visible means,” the guidelines stated that this includes natural calamities.
“While death due to suicide is not covered, that from murder is covered. In case of incidents like road, rail and similar vehicular accidents, drowning, death involving any crime etc., the accident should be reported to police. In case of incidents like snake bite, fall from tree etc., the cause should be supported by immediate hospital record,” it informed.
Exclusions include deaths or illnesses caused by childbirth/pregnancy, mosquito bite and resultant diseases, bio-chemical nuclear weapons, participating in civil riot/rebellion/terrorism activities, intentional self-inflicted injury or illness, suicide, injuries sustained under the influence of intoxicants or hallucinogens, pre-existing diseases and complications arising from it, as well as participation in sports and adventure sports without the supervision of a trained professional.
A comprehensive list of exclusions is available on the CMLIS website, it stated.
Furthermore, for accidental disability or death, the department informed that claimants must be registered beneficiaries under CMLIS. The accident must be reported within seven days, and no later than one month from the date of the incident, by contacting the Insurance Facilitation Cell.
Stating that the policy will cover such cases “as confirmed by documentary evidence only”, it also stipulated that reporting the accident to the nearest police station and documenting it in the general diary is mandatory.
A post-mortem report is mandatory for claims related to death, and if a post-mortem is not feasible, an inquest report from the relevant authorities must be submitted, along with supporting documentation.
This report should include photos of injuries sustained due to accident if any, photos taken during the inquest with police personnel present, and a medical certificate indicating the cause of death.
Families affected by an accident should promptly approach the administration to conduct an inquest when a post-mortem is not possible, it said.
While comprehensive details regarding the claims process can be found on the CMLIS portal, the department informed that in case of death due to an accident, both life insurance and accidental insurance claims can be filed separately.
“The CMLIS Portal is still open for the general public who has not registered for the scheme and may register themselves. It is urged that all claimants adhere strictly to these guidelines to ensure the timely processing of claims without rejection by the Insurance Provider,” it added.