Health & claims
How do I make an insurance claim?
Whatever the policy, the steps are similar. Tell the insurer as soon as possible. Keep evidence and protect what’s left. Submit the claim form and documents. Follow up in writing. And if the claim is cut or rejected, escalate: the insurer’s grievance officer, then IRDAI’s Bima Bharosa portal, then the Insurance Ombudsman.
In short
- Inform the insurer quickly.
- Keep evidence and limit further loss.
- Submit the claim form and documents.
- Escalate if it’s cut or rejected.
The steps by type of claim
| Type | Key steps |
|---|---|
| Health | Inform early; cashless at a network hospital or reimbursement. Health claims |
| Life | The nominee informs the insurer with the death certificate and policy details |
| Accident | Report the accident; keep medical and police records where relevant |
| Property (fire, theft) | Inform the insurer and, for theft or fire, the police; protect what’s left; the insurer may appoint a surveyor |
What slows a claim down?
Late notice and missing documents. Tell the insurer as soon as you can, keep originals and copies, and answer queries in writing. For a group policy, involve HR or your broker early.
What if the claim is rejected?
Ask for the reason in writing, then escalate. The insurer’s grievance officer first, then Bima Bharosa, then the Insurance Ombudsman, which is free.
Frequently asked questions
How do I file an insurance claim?
Inform the insurer quickly, keep evidence, submit the claim form and documents, and follow up in writing.
How do I claim insurance after a fire or theft?
Inform the insurer and the police, protect what's left, keep evidence, and cooperate with the surveyor.
What can I do if my claim is rejected?
Ask for the reason in writing, then escalate to the grievance officer, Bima Bharosa and the Insurance Ombudsman.
What happens when you talk to us
A 20-minute video call with a Growth Advisor. No obligation, and no quote pushed. It opens with a five-minute video from our founder on how the benefits stack works and why Ethika exists; the rest is your questions. You’ll leave with an honest read on your current cover and claims experience, and a straight answer on whether we can genuinely help, even if you never become a client.
20 minutes with a Growth Advisor. No obligation.
A note on this page. Everything here is general information, not insurance, legal, financial or tax advice, and nothing is an offer. No insurer or product is named or recommended. What any policy covers depends on its own wording and schedule. For advice about your situation, talk to us.