Claim Consultation
Already facing an insurance claim? Don’t navigate the process alone. We help you understand the procedure, the paperwork and the next steps — before or after filing.
Clarity at the exact moment it is hardest to find
A claim is usually the first time a policy is read closely — often under pressure. Our claim consultation is designed for that moment.
- Claim procedures and what happens at each stage
- Documentation requirements, so nothing is missing
- Policy-related questions - exclusions, deductibles, waiting periods
- Insurer communications and what a letter actually means
- General next-step considerations
- Where a decision has been received: understanding the reason given
Keep these ready before you call
The policy document or schedule
Or at least the policy number and the insurer name.
The claim number
If the claim has already been registered.
What has happened so far
Dates of the event, intimation and any correspondence.
Letters or emails received
Especially anything mentioning a query, shortfall or rejection.
A list of documents submitted
So gaps can be identified quickly.
How an insurance claim usually moves
Intimation
The insurer is informed. Most policies state a time window, and early intimation avoids avoidable disputes.
Documentation
The insurer or TPA asks for the documents relevant to the claim type. Incomplete sets are the most common cause of delay.
Assessment
A surveyor, medical evaluation or verification is carried out, depending on the claim.
Decision
The insurer assesses admissibility as per the policy terms and communicates approval, part-payment or rejection.
Settlement
Payment is made after applying deductibles, depreciation, co-payment, sub-limits or non-payable items as applicable.
If you receive a rejection or a short settlement
- Ask for the reason in writing, with the policy clause relied upon
- Compare the reason with the wording of your policy schedule and terms
- Reply with the documents or clarifications that address the query
- Keep a dated record of every call, email and submission
- Note the insurer’s grievance redressal channel if the query remains unanswered
Request a Claim Consultation
Share the basics and a consultant will respond. There is no charge for a claim consultation on individual and family policies.
- Details are used only to understand and respond to your query
- Nothing is shared with third parties for marketing
- Do not send original documents or sensitive numbers in this form
Claim Consultation FAQs
What the service covers, and what it does not.
Facing a Claim Right Now?
Talk to us before you send the next email.
A short conversation can save weeks of to-and-fro. Tell us where the claim stands and what you have received.
Straight Answers.