Claim assistance
We don't disappear after you buy. Our advisor helps you when it matters most — at claim time.
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Cashless (planned hospitalisation)
- Choose a hospital in your insurer's network (we can help you find one near you).
- Show your health card / policy details at the hospital's insurance desk.
- The hospital sends a pre-authorisation request to the insurer's TPA.
- On approval, the insurer settles eligible costs directly with the hospital.
Cashless (emergency)
Get admitted first. Inform the insurer/TPA within the time stated in your policy (often 24 hours). We can guide you through the call and paperwork.
Reimbursement (non-network hospital)
- Pay the hospital, and keep all originals — bills, discharge summary, reports, prescriptions.
- Submit the claim form and documents to the insurer within the policy's deadline.
- The insurer verifies and pays eligible amounts to your bank account.
How we help
- Explain your policy's exact claim steps and time limits before you need them.
- Help with pre-authorisation and document checklists.
- Guide you if a claim is delayed, partially paid, or rejected — including escalation.
If a claim is rejected
A rejection isn't always the end. We help you understand the reason, fix documentation gaps, and escalate through the insurer's grievance officer, IRDAI, or the Insurance Ombudsman where appropriate. See Grievance redressal.
Claim decisions are made by the insurer under your policy wording. PolicyMatch assists
and advocates for you; it does not approve or pay claims.