Claims On Reimbursement Basis

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In case of a reimbursement claim, the policy holder pays the expenses himself with the hospital and then claims for a reimbursement of those expenses from the Insurance Company by providing necessary documentation.

Inform Your Insurer

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Hospitalization happen under two circumstances - planned and emergency :-

Get The Treatment Done

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Avail the treatment as prescribed. Intimate your insurer in case of the treatment done outside the network hospital. In the meantime, you can proceed with your treatment and pay the bill. Get your all original documents and reports from the hospital.

Submit The Documents To Your Insurer

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Submit the following documents to your insurer:

• Complete and signed Claim form with attending doctor's prescription.
• First prescription of the present illness, for which treatment has been undergone in hospital/nursing home.
• Medical advice for hospitalization.
• Discharge summary of hospital.
• Final bill of the hospital.
• Medical fitness certificate.
• All test reports supported by medical prescription (pre & post hospitalization).
• All vouchers/bills/receipts pertaining to the tests mentioned above.
• All medicines purchased from outside the hospital at any point in time to be supported by original prescription.

(Note: you may require to send additional documents depending on your insurer's requirement)

Claim Documents Review By Insurer

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Your insurer will review the claim documents received and effect the payment within 7 days of receiving documents. If treatment claimed is not covered under your plan, a rejection letter will be sent to you stating the reason for the same.

Hospital Sends Bill To Insurer During Discharge

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Ready with your documents to be sent along with the pre-authorization form.

Direct Payment

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Once the bill is confirmed, insurer makes payment directly to the hospital

Theft Claim

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If you have Comprehensive coverage on your insurance policy, you will be covered for the stolen car as well and eligible to get a claim for the theft of your car.

Lodge An FIR

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You must report to the police and obtain the First Information Report.

Inform Your Insurer

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If your vehicle is not found within 90 days, then you need to obtain Non-traceable report from Police and submit the same to your insurance company.

Submit Claim Form & Other Documents

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You should fill claim form giving information like Policy number, Vehicle details, Date, time and description of the incident. You need to submit the duly signed Claim Form along with the following documents:

• Registration Certificate (RC) Of The Vehicle
• Driving License
• Policy Copy
• FIR
• Final Non-traceable Report By The Police
• All Sets Of Keys
• Letter Addressed To The RTO intimating theft

Claim Settlement

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If you have taken a car loan to purchase your car, the insurer will settle the amount directly to the financier. The settlement amount is on the Insured Declared Value (IDV) which might however differ based on usage and market value.

Own Damage Claim

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Claim for damage to your own insured vehicle is called an own damage claim and you are eligible for this if you are holding what is known as a package or a comprehensive policy.

Inform Insurer & Police

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Where your vehicle is damaged due to accident, you must immediately inform insurance company and police, wherever required, to enable them to depute a surveyor to assess the loss.

Send Your Vehicle To The Garage

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You should send your vehicle to the garage or authorized workshop where you can also report your claim. Your workshop or garage will prepare an estimated cost of repairs and liaise with insurance company.

Surveyor Inspection Report

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Surveyor will inspect the vehicle and submit the inspection documents to your insurance company. Insurance company will review the documents and on the basis of the inspection will authorize the garage or workshop for the repairs.

Payment Of Expenses

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If your policy provides for cashless service, which means you do not have to pay out of your pocket for covered damages, the insurance company will pay the workshop directly. In case of reimbursement service, the approved claim amount will be intimated to the garage and you will be paid by insurer within 7 days of submission of final documents.

Reimbursement Documents To Be Submitted To The Insurer

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Following documents are required to be submitted to the insurer in case of reimbursement Claim:-

• Copy of the Insurance certificate cum Policy Schedule
• Claim Form
• Copy Of Registration Certificate (RC)
• Copy Of Driving License
• First Information Report (FIR)
• Estimate of Cost
• Final repair invoice and receipt / Satisfaction voucher for cashless payment