Unclaimed insurance money in India: How to check if you have insurance funds waiting to be claimed

Thousands of crores in insurance money are lying unclaimed in India because families often don’t know a policy exists or important documents go missing. If you think you or your family may have an old insurance policy, checking for unclaimed funds only takes a few simple steps—and could help recover money that rightfully belongs to you.

• Collect your insurance details:

1. Policy papers
2. Premium receipts
3. Insurance emails or SMS
4. Bank statements

• Open your insurance company’s website and go to “Unclaimed Amount”.
• Enter your details:

1. Policy number (if available)
2. Name
3. PAN
4. Date of birth

• You can also use the IRDAI Bima Bharosa Portal
• If money is found, submit documents:

1. ID proof (PAN/Aadhaar)
2. Bank details
3. Policy or nominee proof
4. Receive your claim

• After verification, the insurer releases the amount.