When it’s time to claim, you’re not alone.Insurance claim help in Rajula, from the first call to the decision.

As soon as you can. Every policy sets time limits for informing the insurer and for sending documents. For a planned hospital stay, inform the insurer before admission. Late intimation can cause trouble, so try to call the insurer, and us, the same day.

At a network hospital, the hospital’s insurance desk sends a request to the insurer or TPA with your policy details and treatment plan. Once it’s approved, the insurer pays the hospital directly for covered costs, and you pay only for what isn’t covered. Our cashless claim guide explains it step by step.

You pay the hospital yourself, then send the claim form with all original bills and reports to the insurer or TPA within the time the policy allows. They check the papers and pay the approved amount into your bank account.

A Third Party Administrator, or TPA, is a company some health insurers use to handle claims and cashless approvals. Your health card or policy shows whether a TPA handles your policy and how to reach them.

No. Nobody can promise that. The insurer decides based on the policy wording, waiting periods and exclusions. What our insurance claim help does is make sure your claim is complete and on time, and that someone keeps following up, so missing papers don’t hold it up.

Ask the insurer for the reason in writing. If you disagree, complain to the insurer’s grievance cell. If that doesn’t solve it, you can use IRDAI’s Bima Bharosa portal and then go to the Insurance Ombudsman, which doesn’t charge a fee. See our grievance redressal page.