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    <title>Air India crash: Insurance companies grapple with claim complexities in some cases</title>
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    <description>Insurers, directed to expedite claim disbursals and waive formalities, face cases where both policyholder and nominee died; instead of succession certificates, they are identifying primary heirs, obtaining declarations from heirs on settlement allocation, and accepting indemnity bonds or joint declarations to settle claims more quickly.</description>
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