Health Insurance - Death Claim
- Notify the insurance company of the policyholder's death and obtain a claim form.
- Submit required documents, including the death certificate, policy documents, and identity proof of the claimant.
- The insurance company will review the claim and may request additional documents.
- Once verified, the insurer processes the payment to the beneficiaries.
Auto Insurance - Accident, Theft, or Damage Claim
- Notify the insurer immediately after the accident or theft and file an FIR if necessary.
- Complete the claim form and provide relevant documents, such as the police report, photos of the damage, and policy details.
- The insurance company may assign a surveyor to assess the damage.
- Based on the survey, the insurer will approve repairs or settle the claim amount.
Home Insurance - Damage or Theft Claim
- Report the incident (e.g., fire, natural disaster, or theft) to the insurance company.
- Complete a claim form and provide supporting documents, including photos of the damage, an FIR (if theft), and estimates for repair costs.
- A surveyor will assess the extent of damage.
- Once verified, the insurer will process reimbursement or arrange repairs as per the policy.
Property Insurance - Loss or Damage Claim
- Inform the insurer about the damage or loss immediately.
- Submit a claim form along with documents like an FIR (if theft), property ownership documents, and estimates for repairs or replacement.
- The insurer will evaluate the claim and, if valid, compensate the policyholder for the loss.
Disability Insurance - Disability Claim
- Inform the insurer and provide details of the disability, including medical reports and a disability certificate from a certified doctor.
- Complete the claim form with documentation to verify income and proof of disability.
- The insurer reviews the claim and verifies the documents before approving the claim for income replacement.
Travel Insurance - Trip Cancellation, Medical Emergency, or Loss Claim
- Notify the insurer about the issue, whether it’s a trip cancellation, medical emergency, or lost baggage.
- Provide the claim form with relevant documents (e.g., doctor’s report for medical claims, receipts for trip cancellations).
- The insurer evaluates the claim and reimburses the covered expenses.
Liability Insurance - Liability Claim
- Notify the insurer about the liability claim, such as a lawsuit or injury caused by your product/service.
- Submit all documents, such as legal notices, incident reports, and witness statements.
- The insurer assesses the claim, and if valid, covers the legal expenses and compensates the injured party as per policy limits.
Business Insurance - Property, Liability, or Workers' Compensation Claim
- File a claim report with the insurer and specify the type of loss (e.g., property damage, employee injury).
- Provide documents, such as police reports, repair estimates, and employee injury reports.
- The insurer assigns an adjuster to assess the loss and determines the settlement amount.
Pet Insurance - Veterinary Care Claim
- Notify the insurer of the illness or injury.
- Submit the claim form along with veterinary bills, medical records, and receipts.
- The insurer verifies the documents and reimburses the eligible medical expenses.
Renters Insurance - Property Damage or Theft Claim
- Report the incident (damage or theft) to the insurance company and, if necessary, file an FIR.
- Complete a claim form and provide supporting documents, such as an inventory list of damaged or stolen items.
- The insurer evaluates the claim and provides reimbursement or replacement.
Critical Illness Insurance - Lump-Sum Payment for Critical Illness
- Inform the insurer of the critical illness diagnosis.
- Submit a claim form along with medical records, doctor’s certification, and diagnostic reports.
- The insurer verifies the diagnosis and pays the lump-sum amount if the illness is covered under the policy.
Mediclaim (Health Insurance) - Cashless or Reimbursement Claim
- Cashless: Go to a network hospital, show your policy details, and the insurer settles the bill directly with the hospital.
- Reimbursement: Pay upfront, submit bills and medical reports to the insurer, and receive reimbursement after claim approval.
Personal Accident Policy - Accidental Injury, Disability, or Death Claim
- Notify the insurer in case of an accidental injury or death.
- Submit documents like an accident report, medical records, and disability certificate if applicable.
- The insurer processes the claim and compensates the policyholder or beneficiaries.
Term Insurance - Death Claim
- Notify the insurance company of the policyholder’s death.
- Submit a claim form with documents like the death certificate, policy details, and beneficiary identification.
- The insurer verifies the claim, and if valid, pays the lump sum to the beneficiaries.
Housing Loan Insurance - Loan Repayment Claim
- Notify the insurer if the policyholder is unable to make payments due to death, disability, or critical illness.
- Provide documents such as medical records or a death certificate.
- The insurer evaluates and, if valid, repays the outstanding loan amount to the lending institution, securing the home for the family.