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Death due to natural clamity

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25 Aug, 2021 by  Joydeep Sen

Do Term insurance cover Death due to any natural Calamity or Act of God.?

Can you please explain Force Majeure in the context of claim payment by the Insurance Company?

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Basics of Insurance

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25 Aug, 2021

Hi Joydeep


Yes, term cover will pay for death due to natural calamity or other natural causes.

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25 Aug, 2021

Hi Joydeep,


Term Insurance covers death due to natural causes including calamities.


Force Majeure - Insurers are expected to follow certain timelines while settling claims. If they don't do so, they have to pay interest (2% more than prevailing Bank rates) on the claim amount. However, Insurers are exempted from these timelines if the delay is attributed to FORCE MAJEURE (an event beyond their control & which disrupts the overall functioning).


Hope I have been able to make the point. Feel free if you have any follow up questions.


Asad Akbar

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27 Aug, 2021

Dear Joydeep

Yes , term insurance covers all death including natural calamity .

Yes all insurance comtract mention force majeure whoch means insurance contract will not be operative in case the population is impacted through events defined ad act of god . But insurance company can not call an event as act of god unless regulator IRDA calls an act of god . For example , if IRDA defined COVID as force majeure then all claim under COVID can be deniied . But there is only .1% probability of any event being called force majeure .

Hope this clarifies

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