Death Claim Investigation

In the life insurance industry, death claims account for a significant portion of payouts. However, they are also prone to fraudulent practices such as fake deaths, forged certificates, staged funerals, impersonation, and exaggerated circumstances. A single fraudulent death claim can lead to substantial financial loss, regulatory scrutiny, reputational damage, and disruption of operations.

At CLAIMLAB Investigation Services Pvt. Ltd., our Death Claim Investigation service is built to verify the legitimacy of death claims through multi-point field checks, document validation, and surveillance when needed. We assess both the facts of death and the context surrounding the beneficiary’s claim—ensuring that insurance settlements are disbursed only to those rightfully eligible.

From verifying civil death records to confirming medical cause of death and interviewing witnesses, our investigations are comprehensive, discreet, and audit-ready. Our team includes former law enforcement professionals and insurance experts who understand how to distinguish genuine loss from orchestrated deception.

What We Do

Document & Certificate Verification
- Confirm authenticity of death certificates with municipal records.
- Verify hospital-issued death summaries, police FIRs, and post-mortems.
Facility-Level Cross-Checks
- Contact hospitals, mortuaries, and crematoriums to verify the occurrence and date/time of death.
Site Visits & Field Verification
- Visit residences, last-known locations, or incident sites.
- Interact with neighbors, caretakers, and local authorities to gather firsthand accounts.
Witness & Family Interviews
- Record detailed witness statements and compare with the claimant’s version.
- Reconcile any inconsistencies between different testimonies.
Legal Collaboration & Reporting
- Coordinate with law enforcement or courts when necessary.
- Produce litigation-ready reports with photos, time-stamped evidence, and chain of custody documentation.

Benefits

Prevents fraudulent payout and severe revenue loss
Provides legally defensible, audit-ready evidence
Enhances reputation for due diligence and fraud control
Accelerates claim decisions by delivering clear facts
Reduces risk of legal or regulatory penalties

Verification methods

Municipal/corporate death register checks
Hospital, mortuary, cremation-ground confirmation
On-site field investigations
Structured witness & family interviews
Discreet surveillance (if fraud suspected)
Chain-of-custody evidence reporting

Insurance fraud doesn’t always begin at the time of claim—it often starts right at the proposal stage. Applicants may misrepresent their identity, age, income, health history, or nominee details to gain favorable policy terms or future claim eligibility. If such risks go undetected, they lead to early and avoidable losses.

CLAIMLAB’s Pre-Issuance Proposal Verification (PIPV) Service is a critical tool for underwriters. It ensures that every policy issued is based on authentic, truthful, and verifiable information. Our process investigates the applicant’s identity, address, occupation, nominee details, and—where required—health disclosures.

Whether it’s a term policy, ULIP, endowment, or health cover, our verification service allows you to filter out high-risk or misrepresented proposals before onboarding, ensuring that the book of business remains healthy and compliant.

PIPV is especially useful for:

High-sum assured cases
Cases flagged by automated underwriting rules
Rural, unbanked, or untraceable applicant areas
Occupations with high risk or unverifiable income

Our hybrid verification models—including physical field visits, tele-verification, and geo-tagged video calls—offer insurers the flexibility to choose methods based on budget, geography, and case sensitivity.

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Health Claim Investigation Services

Health insurance fraud is one of the fastest-growing threats to the insurance sector. Fraudsters exploit gaps in the system through fake hospitalization claims, inflated billing, non-existent procedures, fabricated disabilities, and collusion with service providers. These activities not only drain resources but also undermine the trust between insurers and policyholders.

CLAIMLAB’s Health Claim Investigation Services are crafted to detect, document, and deter fraudulent or exaggerated claims through fact-based field and digital verification techniques. Our investigations cover a broad range of scenarios: from short-stay hospitalizations to long-term disability claims and accidental injury verification.

We evaluate each claim with clinical, procedural, and documentary scrutiny, ensuring that each submitted record—from bills and prescriptions to lab reports and consultation slips—is genuine, medically justified, and policy-compliant.

Our team works closely with the insurer’s Claims, Underwriting, and SIU (Special Investigative Units) to deliver evidence-backed, legally valid, and actionable reports that uphold the company’s financial and legal interests. Whether you need confirmation of a surgery, test, treatment, or incapacity, we provide ground-truth clarity.

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Background Check

Today’s digital world demands more than a simple glance at ID documents. A full Background Check by CLAIMLAB Investigation Services goes far deeper—examining an individual’s identity, reputation, and integrity across multiple sources. Whether you’re assessing a high-profile policyholder, nominee, field agent, or broker, our background check process helps safeguard your organization from fraud, reputational harm, and compliance risks.

We utilize advanced investigative techniques—field verification, digital validation, database cross-checks, and interviews—to build a 360-degree profile of the subject. Our investigations are globally applicable, scalable across risk levels, and customizable to reflect Indian legal and regulatory requirements.

Death Claim Investigation

Death Claim Investigation

What We Do

Benefits

Verification methods

Other Services

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