Health Insurance Claim

Health insurance is one of the most important insurance instruments. We, at Kotak General Insurance, provide a health insurance that covers basic illnesses and one that covers 18 types of critical illnesses in addition to surgical procedures and other medical emergencies. To avail of the benefits of a health insurance, it is important to understand the health insurance claim process in detail and ensure that the claim has been filed within the stipulated timeline.

Importance of informing about the claim on time

To ensure that the medical insurance claim process is smooth and fast, it is important to inform the insurer about the claim on time. This will give them a chance to help you in a quick settlement and you will be able to recover the maximum amount of expenses at the earliest.

 

Health insurance claim process

Health insurance may be claimed either as a reimbursement or as a cashless claim at one of the network hospitals . In order to register for a health insurance claim, individuals need to follow the below-mentioned steps:

  • Cashless claim
    • In case of a planned hospitalization, you must approach the hospital 48 hours prior to hospitalization. Submit the pre-authorization form and an identity proof along with the medical documents.
    • In case of an emergency hospitalization, visit the cashless helpdesk at the hospital within 24 hours of hospitalization and submit the pre-authorization form as well as an identity proof along with the medical documents
    • If the claim is approved, you will be required to pay only the deductible expenses at the hospital. We will settle the rest at the time of discharge.
  • Reimbursement claim
    • Intimate us at care@kotak.com or 1800 266 4545
    • Settle the bills at the hospital and collect relevant documents
    • Submit the original documents and the claim form within 30 days of discharge from the hospital
    • After verification, your claim will be settled within 15 days

Register A Claim

Insurance Claim Process - Health & Motor

If you need to file a claim, you can do so by following the simple steps outlined in the video

  • Health Insurance
  • Car Insurance

Watch video to know about Health Insurance claim process

  • Watch claims video
OR

Click below to view step-by-step process chart for Health Insurance

Watch video to know about Car Insurance claim process

  • Cashless Claims
  • Reimbursement Claims
OR

Click below to view step-by-step process chart for Car Insurance

Step by step process

Motor insurance

Health insurance

Call 1 800 266 4545 (8 a.m. – 8 p.m.) or submit Claim Intimation Form to intimate us about your claim with your policy details

  • Cashless claims @
    our network garages
  • Re-imbursement
    claims

Vehicle inspection will be conducted within 24 hours (if claim is reported on a working day), or on the next working day (if reported on a Sunday/public holiday)

All relevant documents to be submitted in accordance with terms & conditions

Cashless confirmation and settlement done directly at preferred network garage

Pay deductibles as per policy terms & take delivery of your vehicle

Vehicle inspection will be conducted within 24 hours (if claim is reported on a working day), or on the next working day (if reported on a Sunday/public holiday)

Repair vehicle and take delivery once you pay all the bills

Payment will be initiated within 7 days of receipt of all relevant documents in accordance with terms & conditions.

  • Cashless claims @
    our network hospital
  • Re-imbursement
    claims

Intimate us at 1800 266 4545 or care@kotak.com

Settle all bills at the time of discharge and collect all relevant documents.

Submit all original documents and completed claim form within 30 days of discharge from hospital.

Post document verification, claim will be processed within 15 days.

Please Note: All claims would be processed subject to Policy terms and conditions.
Please read the Policy wording and Policy schedule carefully.

TPA Details
Family Health Plan Insurance TPA Limited
Srinilaya – Cyber Spazio, Suite # 101,102,109&110
Ground Floor,Road No. 2, Banjara Hills
Hyderabad : 500034
Telangana , India

Register a claim

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