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.