The insurance policy is an agreement between the insurer and the insured and like any agreement it contains clauses and conditions. Once the policy is purchased it is given that the insured has agreed to the insurer's terms and conditions. Claims are always settled in accordance with the terms and conditions detailed in the insurance policy wordings. When one reports a claim, the Insurance Company needs to check whether the policy covers the loss or damage claimed and scrutinizes the case before making the settlement payment.

One needs to be well informed about the claim process and timelines to submit the claim form and relevant documents. Insurance company has the right to reject the claim settlement request if the documents are not properly filled, information provided is misleading or if there is a delay in presenting the claim.

If not presented properly, getting claim settlement can be very tedious and painful process. Please keep in mind the following handy tips that help you in filing your claim. Needless to say that we would like to assist you in every possible way anytime when the need arises. So please feel free to call us anytime you need help.

Documentation:

Claim forms are normally sent to you along with your policy documents. If you cannot locate the form you can download it form the section ‘help me with my claim’. A list of documents is also required to be sent to the insurance company for processing the claim. Please make a note of the documents required to be attached with the claim forms for various insurance policies: