12 guides · growing
Insurance Claim Guides
Step-by-step walkthroughs of every major insurance claim scenario in India. Written for the claimant — no jargon, no sales pitch, just the sequence of things that actually happen.
Health
What the insurance desk, the TPA, and you should each do from admission to discharge, with realistic timelines.
The documents to collect, the order of events, and the 30-day IRDAI settlement clock.
Common reasons, how to appeal, and when to escalate to the IRDAI grievance channel.
How to check whether the insurer applied the room-rent sub-limit correctly and what to do if they did not.
Life
Forms, documents, Section 45 protection, and the typical 10-30 day settlement window.
What to do if the family discovers the policy late and the intimation window has passed.
Motor
Intimation, surveyor visit, estimate approval, cashless network repair, and what to do if the workshop and insurer disagree.
FIR, final non-traceable report, document checklist, and the 90-day timeline.
MACT jurisdiction, compensation heads, the Lok Adalat route, and the insurer's defence strategy.
Travel
Property irregularity report, airline vs insurer claim, and what gets excluded.
Calling the assistance helpline, cashless abroad, and the documents you bring home.
Covered and excluded cancellation reasons, documentation, and the indirect-loss pitfall.
For an active grievance against an insurer, Insuriam cannot intervene on your behalf — but the official routes are Bima Bharosa (IRDAI grievance portal) and the Insurance Ombudsman.