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Title: दिशा-निर्देश
Reference No.: आईआरडीएआई/नॉन लाइफ/साइक्लोन निसर्ग/2020/790
Date: 08/06/2020
आपदा प्रभावित जिलों में चक्रवात निसर्ग (जून 2020) के पीड़ितों के बीमा दावों पर दिशानिर्देश



Circular no: IRDA/NL/CIR/MISC/141/06/2020                                                                  


Ref : IRDA/Non Life/Cyclone Nisarga/2020/790                                              08th  June,2020


All CEOs /CMDs of all General Insurance Companies and Stand-Alone Health Insurance Companies

Re: Guidelines on Insurance Claims of victims of Cyclone Nisarga (June 2020) in the calamity affected districts.

As you are aware, cyclone Nisarga, has caused loss to property in parts of Maharashtra, Gujarat and Other Neighboring States. The General Insurers may have written policies that extend to lives and property located in the affected areas. Hence, there is an urgent need for the insurance industry to take immediate steps to mitigate the hardships of the affected insured population by ensuring immediate registration and settlement of eligible claims.

2.    You are advised to initiate immediate steps for quick registration and disposal of claims on the following lines: -

a.    Please nominate a senior officer at the company level who would act as a Nodal Officer for the affected states. The Nodal Officer would be coordinating the receipt, processing, and settlement of all eligible claims. The Nodal officer should contact Chief Secretary/ Officer concerned of the state immediately and be in regular contact thereafter.

b.    Similarly, District level Nodal officer may be appointed in each affected district to liaise with DM/District Administration.

c.    The contact particulars of the Nodal Officer may also be conveyed to us and the same may be given due publicity in the press and though State Govt to enable immediate filing of Claims. In addition to this 24/7 help lines may be started.

d.    If there are any death claims and death certificate is difficult to obtain on account of non-recovery of body etc, the process followed in the case of Jammu & Kashmir floods (Notification of Ministry of Home Affairs, GoI, No. 1/12/2014- Vs (CRS) Dated 12.09.2014- which was also followed when recent floods and cyclone occurred), may be considered.

e.    Details of offices/ special camps set up for the purpose and other relevant details may be publicized through your website, media and through State Government channels to enable filing of claims.

f.     It needs to be ensured that all claims are surveyed immediately and claim payments/on account payments are disbursed at the earliest and in any case not exceeding the stipulated time-line.

g.    Adequate number of surveyors may be engaged immediately as required.

h.    You are also requested to launch extensive awareness campaign in the affected states duly highlighting the measures taken by you.

i.      In view of Corona Virus (Covid-19) pandemic, the Insurers shall encourage the policyholders to use electronic communication wherever possible for correspondence while intimating the claim and filing all the relevant documents.


3.    All non-life insurers (including Standalone Health Insurers) are advised to submit information related to Cyclone Nisarga(June 2020) insurance claims to General Insurance Council in the format already used for Amphan cyclone claims.


4.     We request you to take urgent steps for expeditious settlement of claims in the cyclone hit areas and submit details of the same as advised above.




Yegnapriya Bharath

Chief General Manager (Non-Life)




Encl: GOI No. 1/12/2014-Vs (CRS) Dated 12-09-2014.

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