Family In Case of Emergency (ICE Kit) Checklist

8 structural categories to protect and guide your family during unexpected life events

Completed 0 / 36

Preparedness Rate 0%

📗 Download all 8 critical categories, 36 action items, priority levels, and your current completion status as an organized Excel workbook.

Emergency Contacts Directory

Contact details of professionals and trusted individuals to guide your family during critical hours

Key Contacts

Family Physician & Emergency Ambulance Service: Name, direct phone number, hospital affiliation of primary family physician, and local reliable ambulance service numbers.

Family Lawyer & Legal Advisor Details: Contact details of legal counsel responsible for property documentation, succession guidance, and legal affairs.

Chartered Accountant (CA) / Financial Advisor Contact: Contact information of the CA handling tax filings or SEBI-registered investment advisor overseeing family finances.

Two Trusted Relatives or Close Friends: Phone numbers of two trusted individuals capable of providing immediate on-the-ground support to your family in an emergency.

Civil & KYC Identification Documents

Core identity documents required for all government, insurance, and financial services

Identity Shield

Self-Attested Copies of Aadhaar & PAN Cards: Keep self-attested photocopies of Aadhaar and PAN cards for all family members organized in a dedicated waterproof sleeve.

Passports, Driving Licences & Voter IDs: Clear photocopies of valid passports, driving licences, and voter identity cards for all adults.

Registered Marriage Certificate: A certified copy of the registered marriage certificate, mandatory for processing family pension, EPF, and insurance claims by the surviving spouse.

Birth Certificates & Smart Ration Card: Birth certificates of children and self, along with copies of the family Smart Ration Card serving as local residential proof.

Health Insurance Protocols & Medical Records

Procedures for cashless hospitalization and emergency medical treatment

Healthcare Shield

Health Insurance Policy Schedules & TPA Cards: Current policy schedule, sum insured, cashless TPA cards, and 24/7 emergency toll-free claim assistance numbers.

List of Cashless Network Hospitals: A printed directory of nearby empanelled network hospitals offering cashless admission under your family floater policy.

Blood Groups & Drug Allergies Record: A summary card detailing blood groups, chronic pre-existing medical conditions, and critical drug/food allergies for each family member.

Active Prescriptions & Medical History Summary: Summary of regular medications, daily dosages, treating specialists, and recent discharge summaries.

Banking & Liabilities

Bank deposits, transaction channels, and outstanding loan commitments

Banking Structure

Master Directory of Bank Accounts, Branches & IFSC Codes: A comprehensive table of all savings and current accounts listing bank name, branch address, IFSC code, and account numbers.

100% Nominee Registration across All Accounts: Verification that nominee names are active and registered across all bank accounts, fixed deposits (FD), and recurring deposits (RD).

'Either or Survivor' (E or S) Joint Account with Spouse: Maintaining an 'Either or Survivor' joint operating account with spouse to ensure instant access to funds for urgent expenses without waiting for death certificate claim clearances.

Loans Summary & Account Numbers: Account numbers, outstanding balances, lending institutions, and monthly EMI schedules for home loans, car loans, gold loans, and personal loans.

Loan Protection Insurance Policies: Documentation of term/credit protection policies linked to home or business loans ensuring liability settlement without burdening surviving family.

Investments & Wealth Assets

Life insurance, mutual funds, equities, corporate benefits, and retirement accounts

Wealth Shield

Pure Term Insurance Policy Details: Term insurance policy numbers, sum assured, nominee name, premium due dates, and step-by-step claim settlement instructions.

Mutual Fund Folios & Latest Consolidated Account Statement (CAS): A printed copy of the latest monthly CAMS/KFintech Consolidated Account Statement (CAS) showing all mutual fund folios and units.

Demat & Trading Account Credentials (DP ID / Client ID): Stock broker name, DP ID, Client ID, and proof of active nominee registration across demat accounts.

EPF (UAN), PPF, NPS & FD Receipts: Universal Account Number (UAN) for Employee Provident Fund, PPF passbook copy, National Pension System PRAN card, and original fixed deposit certificates.

Employer Benefits, Gratuity & EPFO EDLI Life Cover: HR contact desk, Group Term Life Insurance (GTLI), gratuity claim guidelines, and details on up to ₹7 lakh statutory life insurance under EPFO EDLI scheme.

Real Estate, Property & Bank Locker

Land, residence, title deeds, gold jewellery, and bank locker locations

Land & Locker

Safe Location of Original Immovable Property Deeds: Instructions detailing the exact secure location of original registered Sale Deeds, Title Deeds, and Settlement Deeds for family properties.

Computerized Patta, Chitta & Encumbrance Certificate (EC): Latest computerized Patta/Chitta copies and an updated 30-year Encumbrance Certificate (EC) verifying unencumbered ownership.

Bank Locker Details & Key Location: Bank locker number, branch, joint operator/nominee registration, and the secure location of locker keys.

Gold Jewellery Inventory & Valuation Receipts: An itemized inventory of gold, diamond, and silver jewellery stored at home or in lockers, including weight in grams/sovereigns, purchase bills, and ownership allocations.

Property Tax, Water Tax & Electricity Consumer Numbers (EB Number): Municipal property tax assessment receipts, water/sewerage tax bills, and electricity service connection (EB consumer) numbers.

Digital Legacy & Access

Smartphone unlock, email recovery, 2FA backup, and password management protocols

Digital Legacy

Primary Smartphone Unlock Protocol (PIN / Pattern): Secure instructions for family to unlock the primary smartphone that receives banking and statutory two-factor authentication (2FA) SMS OTPs.

Primary Email & Account Recovery Setup: Primary financial email address with verified secondary recovery email and phone number configurations.

Password Manager Master Key / Emergency Sheet: Emergency access sheet or recovery passphrase for master password manager (e.g., Bitwarden) stored in a secure physical location.

Two-Factor Authenticator (2FA) Cloud Backup Keys: Exported cloud sync or backup codes for Google/Microsoft Authenticator apps used for trading accounts and email security.

Google & Apple Digital Legacy Contacts: Proof of setup for Google Inactive Account Manager and Apple Legacy Contact nominating family members for authorized data transfer.

Will & Letter of Wishes

Legal testament, executor mandate, and personal family wishes

Legal Shield

Location of Original Will (Registered/Unregistered): Clear instructions on the safe custody location of the original executed will, along with contact details of the drafting advocate.

Will Executor Contact Details & Mandate: Full name, contact number, and detailed guidance notes provided to the designated Will Executor.

Family Letter of Wishes: A personal letter detailing guidance for family welfare, children's higher education aspirations, and practical family stewardship beyond formal legal deeds.

Organ Donation Card & Final Wishes: Official organ donation donor card and clearly articulated preferences regarding final rites and memorial wishes.

| Your progress is automatically saved in your browser storage.

🛡️ Family Emergency Dossier Security & Maintenance Guidelines:

• Never write raw passwords on plain paper: Do not write bank ATM PINs, netbanking passwords, or UPI PINs in plain text. Use a secure digital password manager (e.g., Bitwarden) with an emergency sheet access protocol.

• Fireproof & Waterproof Protection: Store all original identity documents, title deeds, and the emergency dossier inside a certified fire-resistant and waterproof document pouch.

• Legal Heir Certificate Awareness: Educate family that obtaining a Legal Heir Certificate from the local Revenue Tahsildar via E-Sevai is the essential first legal step to access family pension and bank claims; keep death certificates and ration cards accessible.

• Vehicle & Home Insurance Copies: Keep current vehicle insurance policies and comprehensive home insurance schedules ready for natural disaster or accident compensation claims.

• Annual Dossier Audit: Designate a fixed date each year (such as New Year's Day or birthdays) to review, add newly opened accounts, and refresh policy renewals in your dossier.

Related Financial Guides & Tools

Guide · English