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For claim filing, after the demise of the policy-holder, the claimant has to visit any area or branch office of the insurance company with an intimation letter and copy of the death certificate. After receipt of the intimation letter & a copy of the death certificate, the branch provides the claim forms to the claimant. Post-submission of the duly filled forms, a thorough investigation is conducted and the payout is disbursed within a stipulated time-period.

For cashless claim settlement, intimate your car insurance claim by contacting your insurance company in India. Then, insurer will register the claim and give you the claim registration number for all future references. Always provide correct details, including date and time of loss, extent of injury if any, nature of loss, date and time of loss, contact number, policy and cover note number and vehicle, chassis and engine number etc.

Policyholder needs to refer to the garage list provided by the insurer to get the vehicle damage corrected. Policyholder needs to carry claim documents while approaching the network garages. This claim documents list includes duly filled claim application and signed by policyholder, self-attested photocopy of RC book, self-attested photocopy of driver’s license, FIR copy in case of major damage or third party injury/third party damage, theft of vehicle, death, and damage due to strike, malicious act and riot. Any additional documents needed on a case to case basis Policyholder should also carry original documents for verification purpose. 

Surveyor inspects the damaged vehicle within one working day and extends his approval for the assessment. After the satisfactory repair vehicle gets released from the garage. Being the network garage claim gets settled directly. If the amount is not recoverable under the car insurance policy then policyholder has to pay for the same. Reimbursement can be one of the alternatives. In such cases insured should notify insurer about the accident and get the vehicle survey done. Insurer will reimburse the amount spent on repair of the vehicle after receiving the original invoice of the repairs from insured.

For cashless claim, insured has to get medical treatment at network hospitals and then continue the admission with your health ID card. Ask your hospital to fill the claims cashless request application and submit it to the insurer within given timeline mentioned by the insurer. Then, insurer/TPA will issue an authorization letter for the insurance as per the coverage to network hospital. Insurer will directly settle the bill with the hospital. In case the treatment is excluded from the plan, a claim rejection letter will be sent to you. For reimbursement of health insurance claim, inform your insurer about your hospitalization if admission done outside network hospitals within specific period. Complete the treatment and then pay the bill. Get original copies of all the necessary documents from the hospital. 

Submit these papers along with dully filled and signed claim form to the insurer. Insurer reviews the documents and releases the payment within certain days. At PolicyBoss.com, we provide the most convenient way to buy and compare different healthcare plans in India offered by leading insurers. Here, you can easily choose the best health insurance policy and also save money by comparing policies.

???In case of any emergency during your stay abroad, call us immediately. We will attend all your medical assistance and emergency services:

• Claim should be intimated within 24 hours.
• Insured needs to call on given toll free number to speak to a claim service representative for assistance or avail different facilities while in abroad.
• In case of reimbursement an insured needs to submit a fully filled claim form along with all reference documents.
• Insureds should keep a copy of all the documents for their record.