Can you guarantee my claim will be paid?

No, and you should be wary of anyone who says they can. The insurer decides the claim under the policy wording. What we can do is make sure the claim is intimated on time, documented completely and correctly, followed up properly, and escalated where the handling is unreasonable.

Cashless or reimbursement?

Cashless means the insurer settles directly with a network hospital or garage and you pay only the deductible, co-payment and non-covered items. Reimbursement means you pay first and claim it back, which frees your choice of provider but ties up your money and requires a complete document file.

Why was part of my hospital bill deducted?

Common causes are a room-rent limit triggering proportionate deduction across other charges, a co-payment share, disease-wise sub-limits, and non-medical consumables that most policies exclude by default. We will read the deduction sheet against your policy wording and tell you which deductions are contractual and which are worth contesting.

What if my claim is rejected?

Ask for the rejection in writing with the specific policy clause relied upon. If the reasoning is wrong or incomplete, we help you file a written representation with the insurer's grievance officer. If that fails, the escalation path runs to the IRDAI Bima Bharosa portal and then to the Insurance Ombudsman, whose award is binding on the insurer.

Does making a claim raise my premium?

For motor cover, a claim resets your no-claim bonus, which raises the own-damage premium at renewal. For health cover, a claim can affect the cumulative bonus you have accrued. For life cover, the question does not arise. For small motor damage it is worth comparing the repair cost against the bonus you would forfeit before you claim.

Claims

Raise a claim, and let an advisor run it

Register it here and we take over the mechanics — intimation, the document checklist, surveyor or TPA follow-up, and escalation when the file stops moving.

Call the claim desk — +91 73572 80459

Do these three things first

1. Intimate the insurer today — through us or directly. Do not wait for paperwork.
2. Photograph everything before anything is moved, repaired or discarded.
3. Do not start repairs before the surveyor has inspected. Unapproved work is a standard rejection ground.

Documents

What the insurer will ask you for

Assembled once, correctly, a claim file moves. Assembled piecemeal, it gets returned — which is where the weeks go.

Motor — accident

Policy schedule and registration certificate
Driving licence of the person driving
Dated photographs of the damage, taken before repair
FIR, where there is injury or major damage
Repair estimate from the garage

Motor — theft

FIR filed immediately after the theft
Both original keys
Registration certificate and policy schedule
Non-traceable certificate from the police
Purchase invoice, where available

Health — cashless

Health card and photo identity
Pre-authorisation form completed by the hospital
Doctor's advice for admission
Previous treatment records for the same condition

Health — reimbursement

Original hospital bills and payment receipts
Discharge summary
All investigation and diagnostic reports
Pharmacy bills with matching prescriptions
Cancelled cheque for the payout

Life — death claim

Original policy document
Death certificate issued by the municipal authority
Nominee's identity and address proof
Nominee's bank details for the payout
Medical or police records, depending on the cause

Requirements vary by insurer and by product. Your policy wording is the authority; this list is a working checklist to get you started.

Claim questions

What people ask when a claim is live

Still not sure?

Ask an advisor directly. No obligation, and we will tell you if you do not need the product.

Talk to an advisor

As soon as you reasonably can, and in most cases the same day. Motor policies expect prompt intimation; health policies typically require notice within 24 hours of an emergency admission and two to three days before a planned one. Late intimation is one of the most common reasons a legitimate claim runs into difficulty.