The purpose of this document is to provide information to the beneficiaries of the insureds of CiV Hayat Sigorta A.Ş. (the Company) about the procedure to be followed-up as well as about information and documents that shall be demanded, in case of the insured’s decease.

1. Notification and Application for Claim

1.1. When the death takes place, the insured’s beneficiaries inform the Company about the occurrence of the risk by calling the phone number - 0 216 633 18 18.

1.2. After this notification, the documents enumerated hereunder shall be completed by the insured’s beneficiaries and submitted to the Company in order to get the claim request evaluation and payment.

Required Documents for the Evaluation of Claim Request:

a) The Death Declaration Form, to be filled up and wet-signed by one of the insured’s beneficiaries.
b) Policy original (unless provided, Company records are to be predicated upon),
c) Family Birth Record Certificate with Events of the insured,
d) Burial Permit (either the original or its photocopy approved by the issuing authority),
e) If the decease has taken place due to a disease, the medical report explaining its cause (either the original or its photocopy approved by the issuing authority),
f) If the decease has taken place due to an accident, the accident record or incident fact-finding report (either the original or its photocopy approved by the issuing authority),
g) At the death claim request evaluation phase, additional information and/or documents may be demanded.

Required Documents for the Payment of Claim:

a) The Death Claim Payment Request Form, to be filled up and wet-signed by every one of the beneficiaries or by legal custodies
b) If the beneficiaries have been appointed as legal heirs, the inheritance decision (either the original or its photocopy approved by the issuing authority)
c) Photocopy of both sides of the beneficiaries’ identity cards,
d) Document appointing legal custodies of the beneficiaries under 18 (If both parents of the beneficiary are dead or the same are separate, the court order determining the legal custody; otherwise birth register copy to be taken from Birth Registration Office, either the original or their photocopies approved by the issuing authorities),
e) A document to be taken from the Tax Department informing whether the beneficiaries have due inheritance duties.

2. Evaluation of Claim Request and Decision

2.1. The Company commences to make an evaluation about the payability of the profits as soon as all of the forms and documents requisite for the evaluation of such claim are submitted to  the Company.

2.2. It scrutinizes the date of death, the incident causing death or the cause of insured’s decease regarding the General Conditions of Life Insurance and Individual Accident Insurance and also regarding Special Policy Conditions to determine whether such death assurance is within the coverage.

2.3. At the end of the evaluation the Company determines the benefit and claim amount to be paid or decides the claim to be refused and not to be paid in case if the very incident causing the insured’s death as an exception in the policy and/or in case if the same is not to be covered in accordance with the General Conditions of Life Insurance and Special  Policy Conditions.

2.4. If the claim is refused to be paid, the Company sends to the beneficiaries a written document explaining the reasons of such refusal.

3. Payment of Claim

3.1. If it is decided to pay the claim at the end of the evaluation, the Company sends a document to the beneficiaries the claim amount mentioned in Article 2.3 and to be paid.   

3.2. It attaches thereto the writing which has been written to İnheritance duties Department, with which an instrument showing whether the beneficiaries have due İnheritance duties is demanded.

3.3. Within 2 (two) workdays after all the forms and documents requisite for the payment of claim are completed and submitted to the Company by the beneficiaries and the payment evaluation is concluded, the Company pays the claim amount to the account numbers of the beneficiaries written on the Death Claim Payment Request Form.