186+ Lawyers are online 
Insurance related legal advice
10-Oct-2025 (In Insurance Law)
My mother passed away in an accident. She had a health insurance policy with accidental death cover.
I & my brother are the only surviving legal heirs. I am the sole nominee.
The insurer is asking for:
(1) Legal heir certificate — In the presence of a nominee, can they demand this? Can I refuse? (Can provide indemnity bond &/or my brother’s NOC though)
(2) Details of claim settlements from other insurers — are they entitled to this? Can they reduce/deny payment on the basis of the same?
Yes — insurance companies can ask for a Legal Heirship Certificate (or related proof) in certain cases, but it depends on the situation and the amount involved. Following are the cases in which they ask for Legal Heirship Certificate :
If the nominee is not mentioned in the policy, or the nominee has predeceased the insured.
If there are multiple legal heirs and the claim isn’t jointly filed by all.
If there is a dispute or ambiguity about who is entitled to receive the insurance proceeds.
In high-value claims, as part of due diligence (especially for life or term insurance)
Helpful?
Adv. Pankaj Bajaj
Mumbai | 500+ Answers
Chat
Disclaimer: The above query and its response is NOT a legal opinion in any way whatsoever as this is based on the information shared by the person posting the query at lawrato.com and has been responded by one of the Divorce Lawyers at lawrato.com to address the specific facts and details.
Connect with top Insurance lawyers for your specific legal issue
No Comments! Be the first one to comment.
"lawrato.com has handpicked some of the best Legal Experts in the country to help you get practical Legal Advice & help."
