Looking for Insurance Claim Assistance?

We are Standing by to help you

To know more about the claim settlement process, select an insurance product:

Term
Insurance

Health
Insurance

Motor
Insurance

Home
Insurance

Got questions regarding Insurance Claim?

For any queries related to Insurance

support@mypolicyjunction.com

Term Insurance

Health Insurance

Request Claim Assistance


Please select an insurer to get the contact details


ICICI Pru iProtect Smart helpline details:

1860 266 7766

claimsupport@iciciprulife.com

HDFC Life helpline details:

1860 267 9999

service@hdfclife.com

CARE Insurance helpline details:

1800-102-4488

customerfirst@careinsurance.com

Star Health Insurance helpline details:

1800-425-2255 / 1800-102-4477

support@starhealth.in

Coming Soon

Note: *MyPolicyJunction acts only as a facilitator and claims settlement shall be at the sole discretion of the insurer.

Term Insurance

Health Insurance

Claim Process

Cashless Claims Reimbursement Claims

1
Inform the insurer
To start the process of claim, the nominee needs to inform the insurance company at the earliest.
2
Submit Your Claim
The nominee can avail the claim form either from the nearest branch of the insurance company or can download it from the insurance company’s website. The nominee can either fill the physical form and submit along with the required original documents or fill the form online and file the claim.
3
Submit the Required Documents
The following information should be kept handy for the processing of claim:

a. Name of the policyholder

b. Policy number

c. Date of birth of the insured

d. Place of death

e. Cause of death

1
Submit Your Claim
  • In a planned hospitalization, the policyholder should inform insurers about the approaching claim.
  • In emergency hospitalization, the policyholder should intimate the insurance agency or TPA within 24 hours.
  • When choosing a cashless claim, ensure your treatment is at a network hospital of your insurance company.
  • You need to fill a cashless claim request form and submit it to the insurance company by email, post or fax.
Intimate Your Claim
  • In a planned hospitalization, the policyholder should inform insurers about the approaching claim.
  • In emergency hospitalization, the policyholder should intimate the insurance agency or TPA within 24 hours.
  • If the policyholder chooses some other hospital apart from the network hospitals of the insurance company, then a reimbursement claim can be made.
  • In the reimbursement claim process, the policyholder needs to take care of the bills at the hospital.
  • You should fill a reimbursement claim request form and submit it to the insurance company by email, post or fax.
2
Submit Your Documents
Essential Documents to be submitted are:
  • KYC
  • Claim Form
  • Doctor's Prescription
Your claim won't be processed if you haven’t submitted any documents or submitted partial documents.
You should provide additional documents during the process if in case required/asked by the insurer.
3
Insurer Approval
The insurance company will approve the documents you've submitted.
4
Hospitalization
At the time of hospitalization, you should show the ID card of the insured, provided by the insurance company, for identification.
5
Final Approval
If the submitted documents by the customer are intact, then final approval will be given by the insurer to continue ahead with the claim.
6
Settlement
When the formalities are finished, the insurance company will settle the bills with the hospital as per the terms and conditions of the policy. Any expenses which are not covered in the policy will not be reimbursed.
7
Rejected
If the information and documents given by the customer are not correct, then there could be chances for a claim to be rejected. Some of the common reasons behind a claim to be rejected could be:
1) Customer attempts to claim during the waiting period or for a sickness excluded from the policy (Cosmetic surgery, OPD claims, or if there is a permanent exclusion).
2) Fraudulent claims by the customer.


Required Documents Checklist

Here’s a list of documents you may need to submit the insurer to make a claim. You may or may not need all of them based on your situation.

Death certificate Issued by Local Authorities
Original policy documents
Nominee ID and residence proof
Insured age proof
Discharge form (executed and witnessed)
Medical certificate as proof of time & cause of death
Police FIR for unnatural death
Copy of post-mortem report for unnatural death
Hospital records/certificate for death due to illnesses
Cremation certificate
Employer certificate, if any
Claim form
Doctor's prescription for treatment
Hospital discharge certificate
Final hospital bill in original Medical examination reports
Medicine bills with prescriptions
Final payment receipt for reimbursement
Cancelled cheque of the insured bank for reimbursement
Medico-Legal Certificate/FIR for Accidents

Settlement of Claim

As per the Insurance Regulatory and Development Authority (IRDA) of India, the insurance companies are required to settle the claim within 30 days from the date the nominee submits the claim form along with all the required documents. In case if the claim is accepted, the payment is made to the nominee and in case it is rejected, the same is required to be communicated to the claimant stating the reasons. Wherein, if the claim requires further investigation, the insurer is obligated to complete the process within 6 months from receiving the written intimation of the claim.