Non-disclosure
Not declaring a pre-existing illness, past claims or the true facts. Always answer proposal questions fully and honestly — we help you do it right at the start.
Home › Claims Help
Claims support · We stand with youBuying the policy is only half the job. When something goes wrong — an accident, a hospital admission, a loss — we help you register the claim, deal with the insurer, surveyor, hospital or TPA, and follow it all the way to settlement. You focus on recovering; we handle the paperwork and the follow-ups.
An agent represents one insurer. As a licensed broker, we represent you. If a claim is delayed, under-assessed or disputed, we take it up on your behalf — that's the whole point of buying through us.
Every insurer's forms differ, but the journey is broadly the same across all products. Here's what to expect — and where we step in for you.
Report the incident to us (or the insurer) as soon as it's safe to — ideally within 24–48 hours. For theft, fire or an accident involving injury, also file a police FIR. Prompt intimation keeps your claim strong.
We help you raise the claim with the insurer/TPA and get a claim reference number. For planned hospitalisation, this is where cashless pre-authorisation begins.
We share a checklist for your specific claim and review your papers before submission — claim form, bills, reports, ID and policy copy. Getting this complete the first time avoids weeks of back-and-forth.
A surveyor inspects the loss (motor, home, marine), or the TPA reviews the hospital request (health). Don't repair or dispose of anything before the survey unless it's a safety necessity.
The insurer approves the claim and the payable amount after applying deductibles, depreciation or policy limits. We check the calculation and explain any deduction to you.
The claim is paid — cashless (insurer pays the hospital/garage directly, you pay only your share) or reimbursement (you pay first, then get reimbursed to your bank account).
Tap a section for the essentials: when to claim, the documents to keep ready, key checks, and the process. This is a general guide — your policy wording and insurer set the exact terms, and we'll walk you through your specific case.
When to claim: accident damage to your own vehicle, theft, fire, or damage from floods, riots or falling objects.
Documents: claim form · policy copy · Registration Certificate (RC) · driving licence · FIR (theft, third-party injury or major accident) · repair estimate · original repair bills & payment receipts · photos of the damage · (theft) the vehicle keys and RC.
Key checks: intimate before repairs begin; don't move or repair the vehicle before the surveyor inspects it (except to prevent further damage/for safety); prefer a cashless network garage; you pay only the compulsory deductible and any depreciation not covered by zero-dep.
Process: intimate → surveyor inspects at the garage → repair approved → cashless settlement with the garage (or you pay and claim reimbursement) → your No Claim Bonus resets unless you have NCB Protect.
When to claim: your vehicle causes injury/death to a person, or damage to someone else's property. Third-party cover is compulsory by law.
Documents: FIR · your policy copy · RC and driving licence · details of the affected person/property. Third-party injury/death claims are decided by the Motor Accident Claims Tribunal (MACT), not paid over the counter.
Key checks: never admit liability or settle privately at the scene; report to police and to us immediately; keep a copy of the FIR and any notices you receive.
Process: intimation → the insurer's legal team defends and represents you at the Tribunal → the Tribunal determines compensation. We help you notify the insurer correctly and stay informed.
When to claim: hospitalisation (usually 24+ hours as an in-patient), day-care procedures, and eligible pre- and post-hospitalisation expenses.
Documents: claim form · discharge summary · all hospital bills & payment receipts (originals for reimbursement) · investigation/diagnostic reports · doctor's prescriptions · ID proof · cancelled cheque/bank details · policy or health card.
Key checks: at a network hospital, ask for cashless pre-authorisation — for planned admission get it approved before admission; for an emergency, intimate within 24 hours. Keep every bill and report, including for tests done just before and after hospitalisation (these are often payable). Watch waiting periods for pre-existing conditions and specific illnesses.
Process: Cashless — hospital raises pre-auth with the TPA/insurer, treatment is approved, insurer settles the hospital directly and you pay only non-covered items. Reimbursement — pay the hospital, then submit the full document set within the days allowed after discharge; the insurer assesses and credits your bank account.
When to claim: a death claim (raised by the nominee) or a maturity claim (paid to the policyholder at the end of the term for savings-type plans).
Documents (death claim): claim intimation/form · original policy document · death certificate · nominee's ID & bank details (KYC) · and, for unnatural/early death, the FIR, post-mortem report and hospital records.
Documents (maturity): discharge/maturity form · original policy · ID and bank details, submitted before the maturity date.
Key checks: make sure the nomination is registered and up to date; keep the policy document safe and tell your nominee where it is; declare health and habits honestly at purchase — non-disclosure is the main reason death claims are contested. Claims are strongest once the policy has crossed the initial period and premiums are paid up to date.
Process: nominee intimates → submits documents → insurer verifies (may investigate early/large claims) → the sum assured is paid to the nominee's account.
When to claim: medical emergency abroad, trip cancellation or curtailment, flight delay, lost/delayed baggage, or loss of passport.
Documents: claim form · passport & visa copy · tickets/boarding passes · medical reports & original bills (medical claims) · police report (theft/loss) · airline's Property Irregularity Report (PIR) for baggage · receipts for expenses claimed.
Key checks: for a medical emergency, call the 24×7 assistance number on your policy first — they arrange cashless treatment or a guarantee of payment. Report theft to local police and get a written report. Keep every receipt while you're travelling.
Process: call assistance → they coordinate cashless care abroad where possible → for reimbursement, submit documents on return → insurer settles to your account.
When to claim: loss or damage to your home, contents or business premises from fire, burglary, or natural calamities (flood, storm, earthquake), per your policy.
Documents: claim form · FIR (theft/burglary) · fire brigade report (fire) · proof of ownership/occupancy · purchase invoices or valuation of damaged items · photographs · repair/replacement estimates.
Key checks: intimate immediately and preserve the scene — don't clear away or dispose of damaged items before the surveyor's inspection. Take dated photos. Under-insuring the property can lead to proportionate ("average") deduction, so keep the sum insured realistic.
Process: intimation → surveyor assesses the loss → insurer approves after applying limits/deductibles → settlement to your account.
When to claim: accidental death, permanent or temporary disability, or (if covered) hospitalisation and weekly benefits following an accident.
Documents: claim form · FIR/accident report · treating doctor's certificate · disability certificate from a government hospital (for disability claims) · medical records & bills · death certificate and post-mortem report (fatal claims) · nominee KYC and bank details.
Key checks: report the accident and intimate promptly; obtain the correct medical/disability certificate — the benefit payable depends on the exact degree and nature of disability defined in the policy.
Process: intimation → submission of medical evidence → insurer assesses the benefit per the policy table → settlement to the insured/nominee.
When to claim: cargo loss/damage in transit (marine), a third-party liability event, an employee injury (Workmen's Compensation / Employees' Compensation), or damage to business assets.
Documents: vary by cover — typically the claim form, policy copy, invoices/transport documents (marine), survey report, FIR or incident report, legal notices (liability), medical & wage records (WC), and photographs.
Key checks: notify immediately (marine claims are time-sensitive — lodge a claim on the carrier too); preserve evidence and damaged goods for the surveyor; keep transit and purchase documents. For liability and employee claims, don't correspond with the claimant without informing the insurer.
Process: intimation → surveyor/loss adjuster assessment → insurer approval → settlement. We coordinate the survey and documentation for you.
Most rejections are avoidable. Knowing these in advance — and buying the right cover — is exactly where a broker earns their keep.
Not declaring a pre-existing illness, past claims or the true facts. Always answer proposal questions fully and honestly — we help you do it right at the start.
Reporting a claim too late. Tell us as soon as it's safe to; prompt intimation keeps the claim valid.
A claim during a break in cover because a renewal was missed. We remind you before every renewal so your cover never lapses.
Claiming for something still in its waiting period or specifically excluded. We explain what's covered from day one and when.
Motor claims fail if the driver had no valid licence or was under the influence. Keep documents valid and current.
Setting the sum insured or IDV too low to save premium leads to reduced payouts. We help you size cover correctly.
Timelines, free-look duration and eligibility are governed by the insurer's policy wording and prevailing IRDAI regulations.
No. Claims support is part of our service as your broker — it's why buying through us is worth it. Our remuneration comes from the insurer, so our help at claim time costs you nothing extra.
Cashless: the insurer settles the hospital or garage directly and you pay only your share (deductibles/non-covered items). Reimbursement: you pay first, then submit documents and get the approved amount credited to your bank account. Cashless is usually smoother — we help you set it up at a network provider.
As soon as it's safe to — ideally within 24–48 hours. For theft, fire or an accident with injury, also file a police FIR. Prompt intimation is one of the biggest factors in a smooth claim.
Don't give up. Send us the rejection letter — we'll review the reason, help you supply anything missing, and if the denial is unfair we'll help you raise a grievance and, if needed, approach the Insurance Ombudsman.
We can offer general guidance to anyone, and we give full end-to-end claims support on policies placed through us. The simplest way to get that support on every future policy is to move your cover to us at renewal.
Tell us what happened and we'll guide you from the first phone call to the final settlement.
Get claims help