Please describe claim procedures

Evidence satisfactory to State Life of having had the eligible surgery will have to be provided by the claimant at his own cost. The claimant will have to file the original policy document and submit a personal statement.
Confidential statement will also be required from the physician making the original diagnosis and the concerned surgeon(s), including the surgeon who performs the operation. State Life may require any additional proof it deems necessary, including but not limited to reports, test results and medical examination of the life insured. The decision of State Life shall be final and binding on all concerned.
If the policy is assigned, then the official discharge and written permission of the assignee must be filed before the accelerated benefit can be paid.
If the policy has an irrevocable beneficiary, or the policyholder/ policyowner is not the life insured, then the official discharge and written permission of the beneficiary/ policyowner must be filed before the accelerated benefit can be paid.
Under Joint Life and Jeevan Saathi policies, all the policyholders/ lives insured must sign the official discharge and give written permission for payment of benefit.