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YOURCLAIMSJOURNEY SIMPLIFIED
We guide you through the basics of claims so you know what to expect.
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Insurance claims Made Simple
We help you understand and manage your claims process with ease, whether it's cashless or reimbursement.
Cashless Claims
Treatment at empanelled hospitals without upfront payment.
Reimbursement Claims
Understand how to pay first and claim back later with proper documents.
Claim Queries
AI answers your common questions on claim steps, timelines, and requirements.
Network Hospitals
Know what a hospital network is and why it matters in cashless claims.
CASHLESS CLAIM PROCESS
Admission
Get admitted to a network hospital and present your health insurance policy card.
Pre-Authorization
Hospital submits your treatment plan and requests claim approval from insurer.
Approval
Insurer reviews and approves claim, then notifies the hospital to proceed with treatment.
Final Settlement
After treatment, the hospital sends the final bill directly to the insurer for payment.
Reimbursement CLAIM PROCESS
Visit Any Hospital
Get treated at any hospital (network or non-network) and pay the bills yourself upfront.
Pay Bills
Get all original bills, prescriptions, and discharge summaries post treatment.
Submit Documents
Send your claim form, collected bills and required documents to your insurer.
Reimbursement
Insurer reviews claim and transfers approved amount to your bank account.
DocumentsChecklist
Here’s a comprehensive list of documents you may need to submit to process your claim. Depending on your situation, you may need only some of these.
Why do claims Get Rejected?
Policy Not Active
Premium not paid or waiting period not completed.
Hospital Not In Network
For cashless claims, going to a non-network hospital may lead to denial.
Claim Filed Late
Not informing the insurer within the required time frame.
Excluded Treatments
Some conditions, procedures, or pre-existing illnesses may not be covered.
Mismatched Information
Wrong policy number, incorrect details, or form discrepancies.
Incomplete Documents
Missing bills, prescriptions, or doctor’s notes.
CompareClaims Ratio
- % of claims settled in <30 days
- % of Complaints on claims
- Claim Settlement Ratio (No. of claims)
- Claim Settlement Ratio (Value of claims)
- Claims Incurred Ratio
- No. of Cashless Hospitals
HDFC Ergo
- 96.63%
- 0.15%
- 93.51%
- 54.65%
- 84.85%
- 16,000+
TATA AIG
- 80.55%
- 0.10%
- 95.42%
- 57.59%
- 76.24%
- 12,000+
ICICI Lombard
- 99.94%
- 0.14%
- 80.98%
- 48.10%
- 82.24%
- 10,200+
Bajaj Allianz
- 99.40%
- 0.03%
- 92.31%
- 52.63%
- 87.31%
- 18,400+
Aditya Birla
- 99.90%
- 0.16%
- 94.03%
- 78.77%
- 71.50%
- 11,000+
Star Health
- 97.69%
- 0.52%
- 86.98%
- 82.67%
- 70.30%
- 14,000+
Niva Bupa
- 99.95%
- 0.43%
- 90.45%
- 73.28%
- 61.22%
- 10,000+
Care Health
- 100%
- 0.47%
- 94.99%
- 86.70%
- 64.53%
- 21,700+
Manipal Cigna
- 98.69%
- 0.25%
- 93.04%
- 65.95%
- 74.81%
- 15,000+
Royal Sundaram
- 99.95%
- 0.18%
- 82.14%
- 48.29%
- 95.56%
- 10,000+
Reliance General
- 95.39%
- 0.05%
- 90.40%
- 64.72%
- 87.34%
- 10,000+
New India
- 71.28%
- 0.05%
- 93.67%
- 58.66%
- 100.98%
- 4,191+