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Claims Guide

Cashless, reimbursement, and the mistakes to avoid.

Cashless, reimbursement, and the mistakes to avoid: Every claim runs on the same principle: prove what happened and let the surveyor value the loss. Do this right and settlement is quick.

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Cashless, reimbursement, and the mistakes to avoid.

Two types of claims

Cashless vs Reimbursement.

Cashless claim

Take your vehicle to a network garage. The insurer settles the bill directly with the garage. You pay only the deductible and any non-covered items.

Reimbursement claim

Take your vehicle to any garage of your choice. You pay the bill, submit the receipts, and the insurer reimburses you as per policy terms.

Common mistakes

Nine things that delay or reject claims.

Not informing the insurer within 24 hours
No FIR for third-party damage or theft
No photographs of the accident scene
Repairing the vehicle before survey
Missing PUC on the date of accident
Driving without a valid licence at the time
Undisclosed modifications (CNG kit, larger tyres)
Wrong or outdated nominee details
Submitting original bills for a cashless claim

Claim Document Preparation

Step-by-step document compilation for claims.

01
Gather accident photos, witness contact details, and police spot intimation copies.
02
03
04

Claim Mastery

Navigating motor & health claim workflows.

Motor Accident Claim Workflow

Immediate intimation -> Spot inspection -> Cashless garage estimate -> IRDAI surveyor approval -> Direct insurer settlement.

Planned Hospitalization Workflow

Submit cashless pre-authorization form 48 hours prior to admission -> Hospital TPA verification -> Direct insurer approval -> Cashless discharge.

Emergency Hospitalization Workflow

Intimate insurer within 24 hours of admission -> Present insurance TPA card -> TPA desk handles pre-authorization while treatment commences.

Theft & Total Loss Claim Workflow

Immediate FIR filing -> RTO vehicle transfer (Form 28/29/30) -> Non-traceable police report -> Full IDV payout settlement.

Claim Avoidance Red Flags

Common mistakes that lead to claim repudiation.

Delaying Claim Intimation Beyond 48 Hours Without Reasonable Cause
Dismantling or Repairing Vehicle Before Surveyor Inspection
Driving Under Influence of Alcohol or Without Valid Driving License
Misrepresenting Pre-Existing Medical Conditions on Health Proposal Forms
Renewal GuideFraud Awareness
Government & Statutory Education

General Insurance Council (GI Council): Motor Insurance

Read official Indian motor vehicle classifications and statutory insurance guidelines.

GI Council Guide