Claims Guide
Cashless, reimbursement, and the mistakes to avoid.
Cashless, reimbursement, and the mistakes to avoid: Every claim runs on the same principle: prove what happened and let the surveyor value the loss. Do this right and settlement is quick.
Two types of claims
Cashless vs Reimbursement. Highlights include: Avoid.
Cashless claim
Take your vehicle to a network garage. The insurer settles the bill directly with the garage. You pay only the deductible and any non-covered items.
Reimbursement claim
Take your vehicle to any garage of your choice. You pay the bill, submit the receipts, and the insurer reimburses you as per policy terms.
Common mistakes
Nine things that delay or reject claims.
Claim Document Preparation
Step-by-step document compilation for claims.
Follow this verified step-by-step roadmap to make informed decisions and choose the right protection.
Claim Mastery
Navigating motor & health claim workflows.
Motor Accident Claim Workflow
Immediate intimation -> Spot inspection -> Cashless garage estimate -> IRDAI surveyor approval -> Direct insurer settlement.
Planned Hospitalization Workflow
Submit cashless pre-authorization form 48 hours prior to admission -> Hospital TPA verification -> Direct insurer approval -> Cashless discharge.
Emergency Hospitalization Workflow
Intimate insurer within 24 hours of admission -> Present insurance TPA card -> TPA desk handles pre-authorization while treatment commences.
Theft & Total Loss Claim Workflow
Immediate FIR filing -> RTO vehicle transfer (Form 28/29/30) -> Non-traceable police report -> Full IDV payout settlement.
Claim Avoidance Red Flags
Common mistakes that lead to claim repudiation.
Claim Document Preparation
Step-by-step document compilation for claims.
Follow this verified step-by-step roadmap to make informed decisions and choose the right protection.
General Insurance Council (GI Council): Motor Insurance
Read official Indian motor vehicle classifications and statutory insurance guidelines.