What are Funeral expenses?
This component consists of a lump sum payment towards the expenditure on the funeral of the deceased insured person.

What is the amount payable?
The lumpsum amount of this benefit is equal to the actual expenditure, not exceeding Rs.10000/- (w.e.f. 01/04/2011) towards the funeral of the deceased insured person.

Are there any Contribution conditions?
No contribution condition is required for this Benefit. The only condition for admissibility of this Benefit is that the deceased person should have been an insured person at the time of his death. The Funeral expenses are thus payable in respect of an insured person in receipt of Permanent Disablement Benefit even if he may not be employed at the time of his death in a factory or establishment covered under the ESI Act.

To whom are the Funeral expenses payable?
The expenses are payable to the eldest surviving member of the family of the deceased insured person. If the insured person did not have a family or if he was not living with his family at the time of his death, the benefit is payable to the person who actually incurs the expenditure on the funeral of the deceased insured person.

How to claim the Funeral expenses?
To claim the expenses, the claimant should submit his/her claim personally or by post to the Branch Office of the deceased insured person within three months, together with the following documents:
(a) Death certificate as proof of death of the insured person issued by the Insurance Medical Officer/Insurance Medical Practitioner or such other Medical Officer of a hospital or other institution who attended the insured person at the time of death or examined the body after the death; (Death certificate issued by cremation/burial ground or by Municipal authorities or certified copy of village etc, death records may also be accepted as evidence of death);
(b) a declaration of the claimant, either
(i) that he is the eldest surviving member of the family of the deceased insured person and incurred expenditure on the funeral of the deceased or
(ii) in case the claimant is other than the eldest surviving member of the family, that the deceased insured person did not have a family or was not living with his family at the time of his death and that the claimant actually incurred expenditure on the funeral of deceased insured person. The declaration should be countersigned by a competent authority.

 

 
   

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