Why Digital Death Certificates Will Revolutionise Claims?

Digitisation of Death Certificates: CRS

Union Home Minister Amit Shah launched a mobile application in 2024 with an aim of simplifying the registration of births and deaths in India. This mobile application is known as CRS, that is, Civil Registration System. The vision is to integrate technology with governance. Using this mobile application, one can register births and deaths in a quick and convenient way from anywhere and at any time.

The long-standing problem of delayed death certificates is expected to be largely resolved with CRS mobile applications. The government and people are hopeful that it will bring a major change in the insurance claims as well.

Digital Death Certificates & Life Insurance Claims

One of the essential documents required for life insurance claim settlement is a death certificate. For instance, term insurance is a type of life insurance that provides life coverage for a specific tenure. If the life assured dies during the tenure, the nominee can raise the claim for the death benefit. To prove the death of the life assured, it is mandatory to submit the death certificate.

Typically, the local municipal authority issues the death certificate of the deceased. However, it may sometimes take time to process. Such delays inevitably slow down claim settlements. However, with the introduction of the digitisation of death certificates, registration can be done within a few minutes. This means the entire claim process for life insurance can be made quicker and simpler than ever before, as the certificate is accepted by insurance companies and banks.

Note: A death certificate of the insured is a crucial document required for term insurance claims!

Benefits of a Digital Death Certificates

The digitisation of death certificates offers several benefits, the most significant being smoother insurance claim settlements. Additional advantages include:

Quick Registration of Death

Registering deaths and births with a CRS application makes the process streamlined. So, you do not have to stand in queues at offices and wait for hours. A simple mobile application with an internet connection can suffice for the needs.

Timely Financial Support

The death of a loved one is emotionally devastating for any family, but it should not also become a financial setback. With quicker registration and faster access to death certificates, nominees can receive insurance benefits in the least possible time. This ensures timely financial support to cover essential needs.

A Hassle-free System

Using the digital death and birth registration application is straightforward and easy. One major advantage is that you are no longer bound by office hours. With the CRS mobile application, you can register deaths and births at any time and from any place. So, all you need to do is open the application and complete the process.

Insurance Companies to Benefit too

In the past, there have been several instances of forged or duplicate physical certificates. With digitisation, verification becomes faster, more transparent, and reliable. Since death certificates are issued through an official, centralised system, the chances of fraud or misuse are greatly reduced. This not only saves insurers from financial losses but also streamlines the entire claims settlement process for the insurance companies.

To Conclude

Before the introduction of digital death registration, families had to submit a physical copy of the deceased’s death certificate, which often led to delays. However, with the transformation in this process with digital death certificates, settling claims will become easier than ever.

At Jio Insurance Broking, we strive to make your insurance journey as easy and smooth as possible. You may easily purchase term insurance or get in touch for any insurance-related assistance. At Jio Insurance Broking, you can also compare various available plans to choose the most appropriate one!