A step-by-step playbook for filing claims across health, motor, and life insurance — written for the moment everything feels urgent.
Step-by-step
Notify your insurer or TPA before planned hospitalization, or within 24 hours of emergency admission. Most insurers offer a 24/7 helpline and an app-based intimation flow.
If your hospital is in the network — opt for cashless. The hospital sends a pre-authorization request to your insurer and bills are settled directly. Otherwise, you'll pay first and file for reimbursement.
Share your health card / policy details at the hospital's insurance desk. They send treatment estimates to the insurer for approval before discharge.
Discharge summary, itemized bills, payment receipts, prescriptions, diagnostic reports, ID proof. Keep digital copies as well.
Submit the filled claim form + originals to the insurer within the timeframe specified in your policy (often 15–30 days from discharge). Claim is processed to your bank account on approval.
Use the insurer's app / customer portal to track status. If queries are raised, respond promptly to avoid claim closure.
Insurer Portal Tracker
Pick your insurer and we'll open their official claim status page in a new tab. Optionally paste your claim reference to copy it across.
CoverCliq is not affiliated with any insurer. Links open the insurer's own customer-care / claim status page.
Document checklist
Tick documents off as you collect them — saves locally on your device.
Open checklistsEscalate to the insurer's grievance officer, then to IRDAI's IGMS portal or the Insurance Ombudsman in your zone if unresolved within 15 days.
FAQs
Cashless health claims typically resolve at discharge (a few hours). Reimbursement claims take 7–30 days post-document submission. Death claims for life insurance can take 30–90 days depending on investigation. Motor claims usually settle within 7–21 days.
Non-disclosure of pre-existing conditions or material facts at the time of buying the policy. Always disclose accurately — under-disclosure may save premium but can wipe out the entire payout.
Yes. First, write to the insurer's grievance redressal officer. If unresolved within 15 days, escalate to IRDAI's IGMS portal or the Insurance Ombudsman in your zone.
We provide step-by-step guidance, document checklists and explainers. We do not represent insurers or act as an intermediary, so the claim itself is filed directly with the insurer or their TPA.
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