Claim assistance
A claim is when insurance proves its worth. We file, track and follow up your claim with the insurer or TPA, and keep you updated on WhatsApp.
How claims work
Pick your claim type to see the steps and the documents to keep ready. In an emergency, call us first.
Health: cashless
- Show your health card at the hospital TPA desk
- The hospital sends a pre-authorisation request
- We follow up with the TPA for approval
- At discharge, the final bill is settled directly
Keep ready
- Health card or policy copy
- Photo ID (Aadhaar / PAN)
- Doctor's admission advice
Health: reimbursement
- Inform the insurer within the time in your policy
- Pay the hospital and collect all originals
- We check and file your claim
- Money is credited to your bank account
Keep ready
- Discharge summary
- Final bill with itemised breakup and receipts
- Reports and prescriptions
- Cancelled cheque
Motor: accident or theft
- Take photos; file an FIR for theft or injury
- Tell us before moving the vehicle to a garage
- We register the claim and arrange the survey
- Repair at a network garage (cashless) or get reimbursed
Keep ready
- RC and driving licence
- Policy copy
- Photos of the damage
- FIR (theft / third-party injury)
Life / LIC claims
- Inform us as soon as you can
- We list the exact documents for the policy
- We file the claim with the branch or insurer
- We follow up until settlement
Keep ready
- Policy document
- Death certificate (death claims)
- Nominee KYC and bank details
- Discharge form (maturity claims)
Claim FAQs
My policy was not bought through you. Can you still help?
Yes. We can guide you on any claim. For policies we service, we also file and follow up the claim for you.
My claim was rejected. What can I do?
Share the rejection letter. We will check the policy terms and help you appeal to the insurer, and if needed escalate through the Bima Bharosa portal or the Insurance Ombudsman.
Is there a fee for claim assistance?
There is no charge for clients whose policies we service.