What If a BRI Bank Customer Dies?

What If a BRI Bank Customer Dies?

What If a Customer/Savers at Bank BRI Dies?

When a person dies, his family and heirs must complete all the affairs left by the deceased. Be it debt or assets.

One of the assets that is commonly left by people who have died is a bank account such as savings, time deposits, or other types of savings.

Then, how to cash out the accounts of people who have died? Here is the discussion:

The ownership status of the account of a person who has died is regulated in Law Number 7 of 1992 which was revised in Law Number 10 of 1998 concerning Banking. “In the event that the Depositing Customer has died, the legal heirs of the Depositing Customer concerned are entitled to obtain information regarding the Depositing Customer’s deposit,” reads Article 44A paragraph (2) of Law Number 10 of 1998.

The bank itself is required to provide all account information of deceased customers and assist the disbursement process by the heirs. Legal heirs are people who are officially registered according to law as heirs of the customer concerned.

This disbursement takes time because it must be done with the principle of prudence so that the money falls into the right hands. The following are the steps to withdraw the savings account of a deceased customer:

  • Go to the bank office where the deceased/deceased opened his account. This is done so that the disbursement process can be faster and easier. Take the queue at the bank’s customer service department and state your goals. The customer service will explain the procedures and steps you must take.
  • You will also be asked to bring related documents such as: KTP of heirs and KTP of account holders, certificates of deposit (for deposits), savings books (savings owners), death certificates, and certificates of heirs.
  • Complete the requested files. Without these files, this disbursement cannot be done. After all the files are complete, the bank will carry out this disbursement process. Before being disbursed, the heirs must first close the account of the deceased customer. The bank will usually also charge a closing fee that must be paid by the heirs.

After that, the disbursement process will be carried out immediately. The bank will verify and validate the heirs. This is done based on the precautionary principle. This process itself depends on the policies of each bank. For more information, you can ask the bank used to hold the savings account.

What If a Debtor Who Still Has Loans at BRI Bank Dies?

This depends on the type of loan, whether it includes life insurance or not. One example is KUR loans. Every customer who borrows business capital with the people’s business credit program (KUR) does not get life insurance.

So if one day the debtor dies while the loan has not been paid off. So, the heirs must pay off the loan.

Read also: How to use standalone sms banking

What If a BRI Life Customer Dies?

As a bank, Bank BRI has a variety of financial products. One of them is life insurance. This BRI Bank life insurance is known as BRI Life. BRI Life itself is a national life insurance company which is a subsidiary of Bank Rakyat Indonesia (BRI).

How Long is the Death Insurance Claim with BRI Life? PT Asuransi BRI Life is required to make a claim payment within 14 working days since the claim submission document is received completely and correctly by PT Asuransi BRI Life. Payment of this claim will be directly transferred to the account of the Policyholder or Beneficiary.

What are the supporting documents for claims?

Here is the document:

Claim Documents for deceased customers

  • Fill out the death claim form
  • Death certificate from the hospital if the customer dies at the hospital and death certificate from the local area
  • Real Police
  • KTP & KK of heirs and the insured
  • Death Chronology
  • Medical Resume from a hospital or related health agency
  • Copy of savings book
  • Copy of savings book

Claim documents for BRI Life customers who died due to an accident

  • Fill out the death claim form
  • Accident letter from the police
  • Death certificate from local police
  • death certificate from the local area
  • Real Police
  • KTP & KK of heirs and the insured
  • Death Chronology
  • Medical resume if the customer has previously been treated at a certain hospital
  • Copy of savings book
  • Proof of Identity (KTP) of the Insurance Participant (copy);
  • Photocopy of the Insurance Participant’s Family Card or it could be with a Certificate of Heirs issued by certain authorized parties

Document Payor Death/Spouse

  • Fill out the death claim form
  • Death certificate from the hospital if the customer dies at the hospital and death certificate from the local area
  • Real Police
  • KTP & KK of heirs and the insured
  • Death Chronology
  • Medical resume if the customer has previously been treated at a certain hospital

IT Documents

  • Fill out the death claim form
  • Death certificate from the hospital if the customer dies at the hospital and death certificate from the local area
  • Real Police
  • KTP & KK of heirs and the insured
  • Death Chronology
  • Medical resume if the customer has previously been treated at a certain hospital
  • Copy of savings book
  • You can download the claim form yourself at: https://brilife.co.id/unduh-formulir-claim

Conclusion

How long can a BRI Life Death Insurance Claim be disbursed? PT Asuransi BRI Life is required to make a claim payment within 14 working days since the claim submission document is received completely and correctly by PT Asuransi BRI Life.

Meanwhile, if a BRI customer who dies is a debtor who still has remaining loans. So, the heirs are responsible for paying off the loan. If the deceased BRI customer is a saver and still has the remaining balance in his savings. So, the heirs have the right to withdraw the savings.

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