Claims and policy service

Health insurance claims

Call or WhatsApp us as soon as a hospital admission is planned or happens. We'll guide you through every step.

Cashless (at a network hospital)

1. At admission, show your health card or policy number at the hospital's insurance desk.
2. The hospital sends a pre-authorisation request to the insurer. For planned treatment, do this a few days in advance.
3. The insurer approves the amount. We follow up if there are queries.
4. At discharge, the insurer settles the approved bill directly. You pay only for items the policy doesn't cover.

Reimbursement (any hospital)

1. Inform the insurer as soon as possible after admission, within the time your policy states.
2. Pay the hospital and collect all original bills and reports.
3. Submit the claim form and documents within the deadline in your policy. We'll check everything first.

Keep these documents: claim form, discharge summary, final hospital bill with breakup, pharmacy bills and prescriptions, test reports, ID proof, policy copy, and a cancelled cheque. For accidents, an FIR or medico-legal report may be needed.

Life insurance claims

Losing someone is hard enough. We'll help the family with the paperwork, step by step.

1. Inform the insurer as soon as possible. We can do this with you.
2. Collect documents: claim form, death certificate, policy document if available, nominee's ID and bank details, and medical records or hospital certificate.
3. For accidental or unnatural death, the FIR and post-mortem report are usually also required.
4. Submit and follow up. We track the claim with the insurer until it's settled.

Make sure every policy has an up-to-date nominee. It's the single biggest thing that makes claims easier for your family.

Pay premium and policy service

Pay premiums, download policy documents and update details on each insurer's official website.

Always pay premiums only through the insurer's official website or app, or official payment partners. We'll never ask you to pay a premium into a personal account.

Your investments

See all your mutual funds in one statement, or log in to track your investments.

Complaints

If something isn't right, tell us first at finguidein@gmail.com or +91 80537 77227 and we'll work to fix it. If you're not satisfied, you can also contact the insurer or fund house directly, or the regulators:

• Insurance: IRDAI's Bima Bharosa portal
• Mutual funds: SEBI's SCORES portal