Mortality Insurance Cases

In the case of death insurance, applicants are asked to enter their health data, with or without prior medical examination, which will be used as initial data the health of participants. A life insurance policy are generally imposed as a condition of certain provisions, limitations and exclusions of coverage. Dishonesty in men
nutritional preliminary data, which means certain death is an exception 

(in the case of life insurance),

insurance cases death is not a requirement (in case of accident insurance), forgery or falsification of death causes heirs, and falsification of identity insured, are part of the reason that could lead to insurance claims can not be a particular insurance case.

Death insurance participants who have health data "normal" or have a total coverage of the "big" and then suddenly died shortly after the close of insurance is usually a decent insurance cases studied (Suspicious death or contestable death claims). Suspicions of fraud (fraud) or abuse (misuse) became stronger when the cause of death turns out to be a fatal disease which has chronic / chronic, or the cause of death leads to the intent.

In the settlement of claims against an insurance case of death, there are 3 important things that must be considered, namely

• the closure of an insurance policy to the insured's death, 
• death of the insured, and 
• evidence that properly insured has died.

Facts show that the death certificate quite easily obtained by the absence of provisions in Indonesia which regulates the obligation of examination bodies for the purposes of death certification and the absence of specific agencies authorized to issue death certificates.

Forensic autopsy examination should be performed to obtain a definite cause of death will be the case the insurance, which can then bring to a conclusion about the manner of his death - whether there is the element of intent.