General Claims ProcedureAll insurance contracts are based on the information provided by the Policy holder while buying Insurance and the Insurance Policy. Some important points, which would help you in the claims procedure: In view of varied nature of policies, certain requirements distinct to individual policies, may be sought in addition to the below listed items. (Please note that the documents mentioned are indicative and based on the circumstances of the claim, Insurance Company may request for additional documents)
Motor vehicle (Private car & two wheelers) claimsClaims under Motor policies
Every accident involving third parties is required to be reported to police. MV Act provides that a third party victim can proceed against the Insurance Company directly. If the alleged accident is not reported to the Insurance Company, the Insurance Company can consider this as violation of policy condition. In such circumstances, even if Insurance Companies are required to pay compensation by a court of law, they have an option of recovering such claim amounts from the policy holder for violation of specific policy condition.
Steps to be taken in case of an accident:
Motor claims Check list:
Medi claim (for non-cashless claims)
Travel Insurance claims
Personal Accident Claims
Burglary Claims / Money Insurance / Fidelity
Machinery Breakdown Claims
Electronic Equipments Insurance Claims
Marine Transit Loss Claims
A surveyor ( mutually agreed by the Insurer) must be appointed to determine the nature, cause and extent of loss/damage
Redressed System of Policyholder’s GrievancesDisputes do arises under the insurance policies either due to repudiation of claims or payment of claim amount not as per the claim bill filed. To resolve these issues, many options are available to the policyholders as under:
- Approach the Grievance Redressal Officer of its branch or any other office that you deal with.
- Give your complaint in writing along with the necessary support documents
- Take a written acknowledgement of your complaint with the date.
- The insurance company should deal with your complaint within 15 days.
- If that does not happen or if you are unhappy with their solution you can :Approach the Grievance Redressal Cell of the Consumer Affairs Department of IRDA : Call Toll Free Number 155255 (or) 1800 4254 732 or Send an e-mail to email@example.com
- Register and monitor your complaint at igms.irda.gov.in or compliant form (Click here) may also be to IRDAI at Hyderabad
Any Individual or Business Entity can file a complaint with the following consumer courts:
- District Forum for the claim amount up to Rs 20 lakhs
- State Commission for the claim amount more than Rs 20 lakhs but up to Rs 100 lakhs
- National commission for the claim amount exceeding Rs 100 Lakhs
Though there is not Stamp duty to file a complaint but nominal amount of Court fees is to be deposited while filing a complaint.
The appeal can be filed with the Higher Commission for the decision of the District forum, State forum and after National Commission the appeal lies with the Hon’able Supreme Court.
Toll free Number for Claim Registration of respective Insurance Companies
|Name of the Ins.Co.||Toll free and Mail ID|
|Bajaj Alliance||1800 209 5858
1800 209 7272
|1800 233 7272||NA||NA||1800 209 5858
1800 209 7272
|Bharti Axa||1800-103-2292||1800-103-2292||1800-103-2292 firstname.lastname@example.org||1800-103-2292||1800-103-2292|
|Chola Mandal||1800 44 5544||NA||NA||NA||1800 44 5544|
|Future Generali||1800 22 0233||1800 209 1016||1800 209 233
|1800 22 0233||1800 209 1016
1800 103 8889
|HDFC Ergo GIC LTD||1800 200 1999||1800 270 0700||022-62346234 / 0120-62346234
|8169 500 500||022-62346234 / 0120-62346234
|ICICI Lombard||1800 2666||1800 2666||NA||NA||9223622666
079 – 2676 8062 / 63
|0222-7729956 / 58 – Miss. Yogita||1800-103-5499||1800-103-5499|
|Liberty Videocon||1800 266 5844||1800 266 5844||NA||1800 266 5844||1800 266 5844|
|Magma HDI||1800 3002 3202||1800 3002 3202||NA||NA||1800 3002 3202|
|New India||1800 209 1415||1800 209 1415||1800 209 1415||1800 209 1415||1800 102 6425 1800 209 1415|
|Oriental||1800 11 8485
1800 425 2002
|NA||NA||1800 11 8485||1800 425 2002|
|Reliance||1800 3009||1800 3009||1800 209 5522
|1800 3009||1800 3009|
|Royal Sundaram||1860-425-0000||044-7117 email@example.com.||044-7117 7117||044-7117 7117|
|SBI||1800 22 1111||1800 22 firstname.lastname@example.org||1800 22 1111||1800 102 1111
1800 209 0221
|Star Health||NA||1800 102 4477||NA||NA||1800 425 2255|
|TATA AIG||1800 266 7780||1800 425 4090
1800 266 7780
|email@example.com||1800 266 7780||1800 425 4033
1800 103 5252
|United India||1800 425 33333||NA||NA||NA||1800 425 33333|
|Universal Sompo||1800 22 4030||1800 22 4030||1800 22 4030||1800 22 4030||1800 22 4030|
Turn Around Time (TAT) – Related to Insurance survey report
|Notification of Loss / Intimation of Loss||Immediately after the Accident / Occurrence. ( Within reasonable time limit)|
|Appointment of Surveyor by Insurer / Insured||72 hours from the date of receipt of intimation.|
|Submission of Survey Report||
1 Month from the date of appointment by the Insurer / Insured.
In case of Special & Complicated nature of claim under intimation to the Insured. The time limit is extended to 6 months.
|Addendum Report||3 Weeks from the date of receipt of communication from the Insurer.|
|Request for Addendum Report by the Insurer||
In case of incomplete in any respect in the Survey Report Insurer may seek additional report from the Survey with in 15 days from the date of receipt of Survey Report.
It is allowed only once.
|Settlement / Rejection of claim by the Insurer||30 days from the date of receipt of Survey Report / Additional Report from the Surveyor.|