Filing a claim shouldn't feel like a second emergency. Our team helps you intimate, document and follow up every claim — for as long as you hold the policy.
Tell us as soon as you can. We notify the insurer on your behalf and guide you on cashless vs reimbursement.
We give you an exact, no-guesswork checklist — missing paperwork is the number one reason claims get delayed.
We submit the file, track it with the insurer and chase every update so you don't have to keep calling.
Cashless approval or money in your account. If a claim is wrongly rejected, we help you contest it.
We coordinate with the hospital's insurance desk for pre-authorisation and approvals so you don't pay upfront.
Paid the hospital yourself? We help you compile a clean file and claim every rupee you're owed back.
We support your nominee through the death-claim process with empathy, and push for a fast settlement.
Accident or theft — we guide you on the surveyor, FIR and cashless garage settlement.
Our claims team is one call or message away. Tell us what happened and we'll take it from there — guiding every step until it's settled.
Claims support is free and included for the lifetime of every policy bought through Insubees.
As early as possible — ideally within 24–48 hours of hospitalisation or the event. For planned procedures, tell us a few days ahead so we can arrange cashless pre-authorisation.
Use cashless at a network hospital whenever you can — the insurer settles the bill directly. If that isn't possible, pay and claim reimbursement; we'll help you with either.
We review the rejection reason, fix any documentation gaps and help you raise a reconsideration or grievance with the insurer. Genuine claims usually have a path forward.
Our full, hands-on claims support is reserved for policies bought through us. For other policies we can offer general guidance where we can.
No. Claims support is free and included for the lifetime of every policy you buy through Insubees.