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A clear, step-by-step guide to help you file and settle insurance claims without stress or confusion.
30 Days
Max settlement time (IRDAI)
24 Hrs
Recommended intimation window
Free
Insurance Ombudsman escalation
Cashless at network hospitals or reimbursement within 15 days.
Death certificate + nominee documents required. Settled within 30 days.
FIR (for theft/accident), RC, DL, and repair estimate needed.
Inform your insurance company within 24–48 hours of the incident. Most insurers offer 24×7 helplines, apps, and online portals. Early intimation is critical — delayed reporting is a common rejection reason.
Collect your policy copy, government ID, hospital/medical bills, discharge summary, and FIR (if applicable for motor/travel claims). Submit originals or clear scanned copies via the insurer's preferred channel.
The insurer assigns a claims officer or TPA (Third Party Administrator) to verify your documents and, if needed, depute a surveyor. For health claims, they coordinate directly with the hospital.
Once approved, the claim amount is disbursed — directly to your bank account for reimbursement claims, or to the hospital for cashless claims. Settlement typically takes 7–30 working days.
This guide is for informational purposes only. Claim processes and timelines may vary by insurer and policy type. Always refer to your policy document or contact your insurer directly for claim-specific guidance. Finzony is not an insurance broker or claims advisor.