Step-by-step guidance for health, life and motor claims. Know exactly what documents to submit, what to expect, and how to avoid rejection. PolicyRaj is with you every step of the way.
Each insurance type has different steps and documents. Pick yours below for a tailored guide.
You get treated at a network hospital and the insurer pays the hospital directly. No upfront payment needed. Requires pre-authorisation from the insurer or TPA.
You pay the hospital bills yourself (at a non-network hospital), collect all original documents, submit them to the insurer, and receive the money back in your bank account.
Submit all originals. Photocopies are acceptable only where marked. Missing documents are the #1 reason for claim delays.
Filed by the nominee after the policyholder's death. The sum assured is paid to the nominee. Requires death certificate and nominee KYC as primary documents.
Filed by the policyholder when the policy term ends and they are alive. The maturity amount (sum assured + bonus) is paid directly to the policyholder's bank account.
Filed under add-on riders like Critical Illness, Accidental Death Benefit, or Permanent Disability Rider. Each rider has specific documentation requirements.
Requirements vary by claim type. Items marked are for death claims; maturity claims need fewer documents.
Covers damage to your own vehicle due to accidents, fire, natural calamities, or vandalism. Available only under Comprehensive or OD-only policies. Not covered by Third-Party only plans.
Covers legal liability for damage or injury caused to a third party (another vehicle, property, or person). Mandatory by law under the Motor Vehicles Act. Settled via MACT court if disputed.
When is FIR required? An FIR is mandatory for theft, third-party injury/death, and major accidents involving damage to public property. For minor fender-benders with no third-party involvement, an FIR is generally not required — but always safer to file one.
Have these documents ready when you call the insurer. The faster you submit, the faster your claim is processed.
Avoid these common mistakes that cause insurers to deny or partially settle claims.
Failing to declare a pre-existing illness (diabetes, hypertension, etc.) at the time of buying is the most common reason for claim rejection, especially in health and life policies.
Most health policies have a waiting period of 2–4 years for pre-existing diseases and 30 days for general illnesses. Claims filed during this window will be denied.
Cosmetic surgery, dental treatments, self-inflicted injuries, and experimental treatments are commonly excluded. Always check the policy exclusions list before admission.
Missing documents, mismatched names, unsigned claim forms, or illegible reports all cause delays and rejections. Double-check every item in the checklist above.
If you missed your premium renewal and the policy lapsed, you have no coverage. Always pay premiums before the due date and check your policy's grace period (usually 15–30 days).
Each insurer has a strict timeline — typically 24 hrs (motor), 30 days post-discharge (health), or 30 days from death (life). Missing the deadline gives the insurer grounds to reject.
Sachin Kathuria's 20 years of claims experience distilled into 6 actionable tips.
Most people skip the exclusions page. It contains the list of situations where the insurer will NOT pay. Reading it upfront prevents nasty surprises at claim time.
Do not wait. Call the insurer or TPA within 24 hours of an accident or hospital admission. Early notification prevents procedural rejection on time-limit grounds.
Never hand originals to an agent, hospital liaison, or third party. Submit documents directly to the insurer or TPA. Keep a scanned copy of everything you send.
Most insurers now have mobile apps for claim intimation and tracking. Digital submission is faster, trackable, and time-stamped — reducing processing time significantly.
If your claim is unfairly rejected or partially settled, call Sachin Kathuria on 9013976999. He mediates with insurers on your behalf — at no charge to PolicyRaj clients.
If the insurer ignores your grievance for 30 days, escalate to the IRDAI Insurance Ombudsman. It's a free, quasi-judicial body with power to direct settlement. Visit bimabharosa.irdai.gov.in.
Save these numbers before you need them. Call us first — we'll guide you through the right number.
Sachin Kathuria personally guides you through the entire claims process — from document preparation to settlement follow-up. This is our commitment to every PolicyRaj family, without exception.