Insurance Companies

Quick access to your insurance provider resources

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क्लेम स्थिति स्थिति देखें
टोल-फ्री नंबर 1800-102-4499
नेटवर्क अस्पताल अस्पताल देखें
बहिष्कृत अस्पताल सूची देखें
क्लेम सूचना Claim Online
क्लेम स्थिति स्थिति देखें
टोल-फ्री नंबर 1800-425-2255
नेटवर्क अस्पताल अस्पताल देखें
बहिष्कृत अस्पताल सूची देखें
क्लेम स्थिति स्थिति देखें
टोल-फ्री नंबर 022-6158-2020

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How to File Your Insurance Claim

Filing an insurance claim can seem complex, but we're here to make it simple. Whether you need cashless treatment or reimbursement, our team guides you through every step.

Types of Claims

Understanding the different claim types helps you choose the right process

Cashless Claim

Get treatment at network hospitals without upfront payment

  1. 1 Visit a network hospital listed by your insurer
  2. 2 Show your health card and ID at the TPA desk
  3. 3 Hospital submits pre-authorization to insurance
  4. 4 Get approval and receive treatment
  5. 5 Sign claim forms post-treatment
  6. 6 Insurance settles directly with hospital

Tip: Always carry your health card and a valid ID when visiting network hospitals

Reimbursement Claim

Pay for treatment first, then get reimbursed by insurance

  1. 1 Inform insurance company within 24 hours of admission
  2. 2 Collect all original bills, prescriptions, and reports
  3. 3 Fill out the claim form provided by insurer
  4. 4 Submit documents within 15 days of discharge
  5. 5 Insurance company processes and verifies claim
  6. 6 Receive reimbursement in your bank account

Tip: Keep photocopies of all documents before submission

Required Documents

Keep these documents ready for smooth claim processing

Duly filled claim form
Original hospital bills and receipts
Discharge summary
Investigation reports (X-ray, MRI, blood tests)
Doctor's prescription
Pre-authorization letter (for cashless)
KYC documents (ID proof, health card)
Cancelled cheque or bank details

Claim Rejection - What to Do?

If your claim is rejected, don't worry. Here's what you can do:

Common Rejection Reasons

  • Pre-existing disease not disclosed
  • Treatment during waiting period
  • Non-covered expenses (cosmetic, dental)
  • Policy lapsed due to non-payment
  • Incomplete or incorrect documentation

How to Appeal

  1. 1 Review the rejection letter carefully
  2. 2 Gather supporting documents and medical records
  3. 3 Write a formal appeal letter to the insurer
  4. 4 Contact IRDAI if insurer doesn't respond within 15 days
  5. 5 Approach Insurance Ombudsman for unresolved disputes

Claim Process FAQ

Common questions about insurance claims

Need Help With Your Claim?

Our team provides complete claim assistance - from documentation to settlement