Contact your insurer
Notify your insurer or TPA using the official contact information on the policy. Ask about timelines, required documents, and the claim reference number.
A little guidance.
When it matters most.
Understand the steps, organise your documents, and know who to contact.
For urgent medical care, contact your hospital or emergency services first. For a claim, use your insurer’s official claims number listed on your policy.
Gather your documents
For health claims, insurers commonly request bills, discharge summaries, prescriptions, and claim forms. Life claims require different documents. Follow your insurer’s checklist.
Track and follow up
Keep copies of submissions and note the claim reference. If clarification is requested, respond through the insurer’s official channel.
Cashless or reimbursement?
01How does a cashless claim work?+
At an eligible network hospital, the hospital usually seeks authorisation from the insurer or TPA. Approval and the amount payable are subject to policy conditions. Non-payable expenses may still be yours.
02How does reimbursement work?+
You pay the hospital and submit the required claim documents to your insurer. Review its notification and submission deadlines. Keep itemised bills and proof of payment.
03What if I need to raise a concern?+
Start with the insurer’s grievance redressal process. The applicable escalation route and eligibility can be confirmed through official IRDAI and Insurance Ombudsman resources.
Need help understanding the process?
Ask a general question. Don’t upload policy numbers, identity documents, or medical records here.