How long does claim settlement take?

Cashless health: 2-4 hours approval, settled directly with hospital. Reimbursement: 15-30 days after submitting all documents. Motor: 7-30 days depending on survey and documentation.

What if my claim is rejected?

1) Get written reason. 2) Check if rejection is valid per policy terms. 3) Appeal to insurer's grievance cell. 4) Escalate to IRDAI IGMS portal. 5) Insurance Ombudsman for disputes up to ₹50L.

Insurance Claim Process — Step-by-Step

Filing an insurance claim correctly is crucial for getting your money. Many claims get rejected due to documentation errors or delayed notification. Here's how to do it right.

Health Insurance Claims

Cashless: Inform insurer 48 hours before planned hospitalization (or within 24 hours for emergency). Hospital's TPA desk handles paperwork. Reimbursement: Pay bills, submit claim form + original bills + discharge summary within 15-30 days.

Motor Insurance Claims

1) Inform insurer within 24 hours. 2) File FIR for theft/third-party. 3) Get surveyor assessment. 4) Submit claim form + RC copy + driving license + FIR + repair bills. Cashless at network garages is fastest.

Common Rejection Reasons

Pre-existing disease not disclosed. Waiting period not completed. Non-covered treatments. Delayed intimation. Missing documents. Policy lapsed due to unpaid premium.