We all face the test of time and it is often difficult to cope with. We are committed to be with you in your moment of need. Our goal is to guide you through the claims process by keeping you informed in advance about the process and documentation that an insurance company expects from you.

Hospitalisation in Non – Network Hospitals

  • Step 1:Inform Apollo Munich about the planned hospitalisation 7 days prior to the admission
  • Step 2:Get admitted into the hospital.
  • Step 3:At the time of discharge, settle the hospital bills in full and collect all the bills, documents and reports.
  • Step 4:Lodge your claim with Apollo Munich for processing and reimbursement.

Hospitalisation in Network Hospitals

  • Step 1:Please co-ordinate with your doctor and the hospital and send in all the details of your planned hospitalisation including the plan of treatment, cost estimates etc. to Apollo Munich. Also indicate the address or fax number to where the authorisation is to be sent along with the mobile no. to receive updates on your claims and authorisations This should be sent to Apollo Munich at least 7 days prior to the admission
  • Step 2: A) :If authorisation for “Cashless Service” from Apollo Munich has been received by you .
  • At the time of admission, hand in the authorisation letter and a photocopy of your ID card to the hospital.
  • At the time of discharge:
  • a) Pay for those items that are not reimbursable under the Energy policy.
  • b) Verify the bills and sign on all the bills
  • c) Leave the original discharge summary and other investigations reports with the hospital. Retain a Photo copy for your records
  • Sign the Claim Form OR B) In case “Cashless Service” was denied by Apollo Munich
  • At the time of discharge settle the hospital bills in full and collect all the bills documents and reports and Payment Receipt .
  • If you wish, lodge your claim with Apollo Munich for processing and reimbursement

    Email: customerservice@apollomunich.com

    Call: Toll-free - 1800-102-0333

    Branch Locator: http://www.apollomunichinsurance.com/health-insurance-offices.aspx

    Write to them at- Claims Department, Apollo Munich Health Insurance Co. Ltd.,
    Ground Floor, Srinilaya - Cyber Spazio, Road No. 2, Banjara Hills, Hyderabad-500034, Telangana.
    Or – Claims Department,
    Apollo Munich Health Insurance Co. Ltd.,
    2nd & 3rd Floor, iLABS Centre, Plot No. 404-405, Udyog Vihar, Phase-III, Gurgaon-122016, Haryana.

Grievance Redressal

In case you are not satisfied with the claim settlement kindly follow the below steps

For grievance redressal kindly contact at – 1800-102-0333

Email at: customerservice@apollomunichinsurance.com

Walk into the nearest branch - : https://www.apollomunichinsurance.com/health-insurance-offices.aspx

Courier your query directly at – Apollo Munich Health Insurance Co. Ltd., iLABS Centre, 2nd & 3rd Floor, Plot No 404 - 405, Udyog Vihar, Phase – III, Gurgaon-122016, Haryana
Register your complaint at -https://www.apollomunichinsurance.com/insurance-grievance-customer-services.aspx If you are not satisfied with the resolution of your issue, you can escalate your concern to GRO Mrs. Deepti Rustagi by registering here - https://www.apollomunichinsurance.com/Support/Escalate-Your-Case.aspx OR

Write to GRO at the address mentioned below:

Mrs. Deepti Rustagi
Grievance Redressal Officer(GRO)
Apollo Munich Health Insurance Company Limited
iLABS Centre, 2nd & 3rd Floor,
Plot No 404 - 405,
Udyog Vihar, Phase – III,
Gurgaon -122016, HARYANA
Contact No-91-124-4842375

In-patient Treatment /Day Care Procedures

  • Duly filled and signed Claim Form
  • Photocopy of ID card / Photocopy of current year policy
  • Original Detailed Discharge Summary / Day care summary from the hospital
  • Original consolidated hospital bill with brbeak up of each Item, duly signed by the insured
  • Original payment Receipt of the hospital bill
  • First Consultation letter and subsequent Prescriptions
  • Original bills, original payment receipts and Reports for investigation
  • Original medicine bills and receipts with corresponding Prescriptions
  • Original invoice/bills for Implants (viz. Stent /PHS Mesh / IOL etc.) with original payment receipts

Road Traffic Accident

In addition to the In-patient Treatment documents

  • Copy of the First Information Report from Police Department / Copy of the Medico-Legal Certificate. In Non Medico legal cases
  • Treating Doctor’s Certificate giving details of injuries (How, when and where injury sustained) In Accidental Death cases
  • Copy of Post Mortem Report & Death Certificate

For Death Cases

In addition to the In-patient Treatment documents:

  • Original Death Summary from the hospital.
  • Copy of the Death certificate from treating doctor or the hospital authority.
  • Copy of the Legal heir certificate, if the claim is for the death of the principle insured.

Critical Illness Benefit

  • Duly filled and signed Claim Form.
  • Photocopy of ID card / Photocopy of current year policy.
  • A medical certificate confirming the diagnosis of critical illness from a doctor not less qualified than MD/MS.
  • Investigation reports/ other related documents reflecting the critical illness diagnosis

Hospitalisation in Non – Network Hospitals

Step 1:Get admitted into the hospital

Step 2:As soon as possible, inform Apollo Munich about the hospitalisation

Step 3:At the time of discharge, settle the hospital bills in full and collect all the bills, documents and reports.

Step 4: Lodge your claim with Apollo Munich for processing and reimbursement

Hospitalisation in Network Hospitals

Step 1: Get admitted into the hospital.

Step 2: As soon as possible inform Apollo Munich and coordinate with the hospital to have the details sent to Apollo Munich for authorization for cashless service.

Step 3: A) :In cases of a very short stay at the hospital or if the authorisation for “Cashless Service” was not received from Apollo Munich or if “Cashless Service” was denied by Apollo Munich .

  • i): At the time of discharge settle the hospital bills in full and collect all the bills documents and reports.
  • ii) ii) Lodge your claim with Apollo Munich for processing and reimbursement. OR

B) : If authorisation for “Cashless Service” from Apollo Munich has been received at the time of discharge.

  • a)-Pay for those items that are not reimbursable under the Energy policy including applicable copayment.
  • b)- Verify the bills and sign on all the bills and the authorisation letter.
  • c)- Leave the original discharge summary and other investigations reports with the hospital. Retain a Photo copy for your records.
  • d)- Sign the Claim Form.

Grievance Redressal

In case you are not satisfied with the claim settlement kindly follow the below steps

For grievance redressal kindly contact at – 1800-102-0333

Email at: customerservice@apollomunichinsurance.com

Walk into the nearest branch - : https://www.apollomunichinsurance.com/health-insurance-offices.aspx

Courier your query directly at – Apollo Munich Health Insurance Co. Ltd., iLABS Centre, 2nd & 3rd Floor, Plot No 404 - 405, Udyog Vihar, Phase – III, Gurgaon-122016, Haryana
Register your complaint at -https://www.apollomunichinsurance.com/insurance-grievance-customer-services.aspx If you are not satisfied with the resolution of your issue, you can escalate your concern to GRO Mrs. Deepti Rustagi by registering here - https://www.apollomunichinsurance.com/Support/Escalate-Your-Case.aspx OR

Write to GRO at the address mentioned below:

Mrs. Deepti Rustagi
Grievance Redressal Officer(GRO)
Apollo Munich Health Insurance Company Limited
iLABS Centre, 2nd & 3rd Floor,
Plot No 404 - 405,
Udyog Vihar, Phase – III,
Gurgaon -122016, HARYANA
Contact No-91-124-4842375

In-patient Treatment /Day Care Procedures

  • Duly filled and signed Claim Form
  • Photocopy of ID card / Photocopy of current year policy
  • Original Detailed Discharge Summary / Day care summary from the hospital
  • Original consolidated hospital bill with brbeak up of each Item, duly signed by the insured
  • Original payment Receipt of the hospital bill
  • First Consultation letter and subsequent Prescriptions
  • Original bills, original payment receipts and Reports for investigation
  • Original medicine bills and receipts with corresponding Prescriptions
  • Original invoice/bills for Implants (viz. Stent /PHS Mesh / IOL etc.) with original payment receipts

Road Traffic Accident

In addition to the In-patient Treatment documents

  • Copy of the First Information Report from Police Department / Copy of the Medico-Legal Certificate. In Non Medico legal cases
  • Treating Doctor’s Certificate giving details of injuries (How, when and where injury sustained) In Accidental Death cases
  • Copy of Post Mortem Report & Death Certificate

For Death Cases

In addition to the In-patient Treatment documents:

  • Original Death Summary from the hospital.
  • Copy of the Death certificate from treating doctor or the hospital authority.
  • Copy of the Legal heir certificate, if the claim is for the death of the principle insured.

Critical Illness Benefit

  • Duly filled and signed Claim Form.
  • Photocopy of ID card / Photocopy of current year policy.
  • A medical certificate confirming the diagnosis of critical illness from a doctor not less qualified than MD/MS.
  • Investigation reports/ other related documents reflecting the critical illness diagnosis
  • Customer approaches Bajaj Allianz Network Hospital for Cashless treatment
  • Hospital verifies customer details and sends the pre-authorization form duly completed, by fax to Bajaj Allianz
  • Bajaj Allianz verifies pre-authorization request details with policy benefits and conveys decision to the provider

Grievance Redressal

Level 1

Level 2

  • In case customer is not satisfied with the response given by the team, customer may write to company’s
  • Grievance Redressal Officer - Mr. Rakesh Sharma at ggro@bajajallianz.co.in

Level 3

  • If customer is still not satisfied with the resolution provided, you can further escalate at email:head.customerservice@bajajallianz.co.in head.customerservice@bajajallianz.co.in
  • In case you are still not satisfied with the decision/resolution provided, customer may approach
  • the Insurance Regulatory and Development Authority of India (IRDAI) through by:
  • Calling its Toll-Free Number 155255 (or) 1800-4254-732
  • Sending a fax on 91-40-6678 9768
  • Sending an E-mail to - complaints@irda.gov.in
  • Writing to – Consumer Affairs Department Insurance Regulatory and Development
  • Authority of India 9th floor, United India Towers, Basheerbagh, Hyderabad – 500 029,
  • Telangana
  • In case customer’s issue remains unsolved, customer can approach the Insurance Ombudsman
  • for redressal. Find your nearest Ombudsman office- http://ecoi.co.in/

Hospitalization Death

  • Claim form duly filled and signed by the insured
  • Original Death summary document
  • Original hospital bill with detailed cost break-up
  • Original paid receipts
  • Copy of Invoice/Stickers/barcode in case of implants
  • First consultation letter from doctor
  • KYC form

Personal Accident

  • Claim form duly filled and signed by the insured
  • Fully filled NEFT details form
  • In case of Death and Permanent Total Disability, kindly provide birth certificate
  • In case of claim above Rs. 10 lakhs, submit income tax return for last 3 years
  • KYC form
  • Decree certificate from court in case the nominee is minor
  • Preliminary scrutiny of claim documents
  • If additional documents are required the customer is intimated regarding the same
  • Payment is released to the customer through ECS/Cheque
  • Once all the documents are received the central team verifies them<

Grievance Redressal

Level 1

Level 2

  • In case customer is not satisfied with the response given by the team, customer may write to company’s
  • Grievance Redressal Officer - Mr. Rakesh Sharma at ggro@bajajallianz.co.in

Level 3

  • If customer is still not satisfied with the resolution provided, you can further escalate at email: head.customerservice@bajajallianz.co.in
  • In case you are still not satisfied with the decision/resolution provided, customer may approach
  • the Insurance Regulatory and Development Authority of India (IRDAI) through by:
  • Calling its Toll-Free Number 155255 (or) 1800-4254-732
  • Sending a fax on 91-40-6678 9768
  • Sending an E-mail to - complaints@irda.gov.in
  • Writing to – Consumer Affairs Department Insurance Regulatory and Development
  • Authority of India 9th floor, United India Towers, Basheerbagh, Hyderabad – 500 029,
  • Telangana
  • In case customer’s issue remains unsolved, customer can approach the Insurance Ombudsman
  • for redressal. Find your nearest Ombudsman office- http://ecoi.co.in/

Hospitalization Death

  • Claim form duly filled and signed by the insured
  • Original Death summary document
  • Original hospital bill with detailed cost break-up
  • Original paid receipts
  • Copy of Invoice/Stickers/barcode in case of implants
  • First consultation letter from doctor
  • KYC form

Personal Accident

  • Claim form duly filled and signed by the insured
  • Fully filled NEFT details form
  • In case of Death and Permanent Total Disability, kindly provide birth certificate
  • In case of claim above Rs. 10 lakhs, submit income tax return for last 3 years
  • KYC form
  • Decree certificate from court in case the nominee is minor
  • Avail cashless at the network hospital by showing your health card and valid photo ID
  • Hospital will send the cashless request to HDFC ERGO and coordinate with them for authorisation
  • HDFC ERGO/ TPA will scrutinize all the received documents and convey the final stand on the claim
  • You will receive an update through SMS/Emails on every stage of the claim on your registered mobile number or email id
  • Hospital shall send the final bill to HDFC ERGO for authorisation and HDFC ERGO shall scrutinize the same and give final authorisation in case of approved transactions to the hospital. Any inadmissible expenses, copayments, deductions will have to be paid by you.

Grievance Redressal

  • Customer Service no: 022 - 6234 6234 / 0120 - 62346234
  • For lodging a complaint online, email to customer service desk at care@hdfcergo.com

Escalation Level 1

Escalation Level 2

  • In case, you are not satisfied with the decision/resolution of the above office, or have not received any response within 15 days, you may write to: cgo@hdfcergo.com

Escalation Level 3

  • If after following Escalation Level 1 and 2 as stated above your issue remains unresolved, you may approach the Insurance Ombudsman for Redressal.

Contact Details of Insurance Ombudsman – https://customersupport.hdfcergo.com/grievance/insurance_ombudsman_centers.html

  • Duly filled and signed Claim Form with HDFC Ergo policy number
  • Original Discharge Summary.
  • Original final bill with detailed breakup, payment receipt and original pharmacy invoices supported by prescriptions.
  • Original Investigation reports (eg. blood reports, X-Ray, etc)
  • Implant sticker/invoice, if used (eg. for stent in angioplasty, lens cataract, etc.).
  • Past Treatment documents, if any.
  • In cases of Accident, Medico Legal Certificate (MLC) or FIR.
  • NEFT details for payment: Cancelled cheque in the name of the Proposer or passbook copy attested by bank6) For all claims amounting 1 lakh and above: KYC form along with photocopy of any one KYC document (eg. aadhar card, passport, driving license, voter ID, etc).
  • For all claims amounting 1 lakh and above: KYC form along with photocopy of any one KYC document (eg. aadhar card, passport, driving license, voter ID, etc) KYC Form.
  • To register your claim, fill the claim form and send to HDFC Ergo with required documents to below address:
  • HDFC ERGO General Insurance Company Ltd
    5th Floor, Tower 1, Stellar IT Park,
    C-25, Sector-62, Noida 201301
    State: Uttar Pradesh, City: Noida
    Pin Code: 201301
  • HDFC ERGO will scrutinize all documents and approve the claim. In case additional information or documents are required, HDFC ERGO will call for the same and upon satisfactory receipt of all necessary documents the claim will be settled by HDFC ERGO
  • You will be updated through SMS/Emails on every stage of the claim
  • On receipt of complete documents, the claim would be processed and payment will be made through NEFT.

Grievance Redressal

  • Customer Service no: 022 - 6234 6234 / 0120 - 62346234
  • For lodging a complaint online, email to customer service desk at care@hdfcergo.com

Escalation Level 1

Escalation Level 2

  • In case, you are not satisfied with the decision/resolution of the above office, or have not received any response within 15 days, you may write to: cgo@hdfcergo.com

Escalation Level 3

  • If after following Escalation Level 1 and 2 as stated above your issue remains unresolved, you may approach the Insurance Ombudsman for Redressal.

Contact Details of Insurance Ombudsman – https://customersupport.hdfcergo.com/grievance/insurance_ombudsman_centers.html

  • Duly filled and signed Claim Form with HDFC Ergo policy number
  • Original Discharge Summary.
  • Original final bill with detailed breakup, payment receipt and original pharmacy invoices supported by prescriptions.
  • Original Investigation reports (eg. blood reports, X-Ray, etc)
  • Implant sticker/invoice, if used (eg. for stent in angioplasty, lens cataract, etc.).
  • Past Treatment documents, if any.
  • In cases of Accident, Medico Legal Certificate (MLC) or FIR.
  • NEFT details for payment: Cancelled cheque in the name of the Proposer or passbook copy attested by bank6) For all claims amounting 1 lakh and above: KYC form along with photocopy of any one KYC document (eg. aadhar card, passport, driving license, voter ID, etc).
  • For all claims amounting 1 lakh and above: KYC form along with photocopy of any one KYC document (eg. aadhar card, passport, driving license, voter ID, etc) KYC Form.
  • Step 1- Contact Toll free Healthline 1-800-41-91159
  • Before you seek medical treatment contact the company 3 days in advance. This will allow company’s health relationship managers to help you follow the next few steps. In case of emergency, you can contact company within 48 hours of admission to the hospital.
  • Step 2 - Your Identification
  • At the network hospital you will need to show your CignaTTK health card and valid photo ID to be able to use your insurance. This will give the network hospital the details they need to contact company for the cashless hospitalization process.
  • Step 3 - Hospital sends cashless hospitalization request form
  • The network hospital will send the company the preauthorization request form which has details of medical history, line of treatment and estimated treatment cost.
  • Step 4 - CignaTTK contacts Hospital
  • Wherever the information provided in the request is sufficient to ascertain the authorization, company will issue the authorization Letter to the network hospital. Wherever additional information or documents are required company will call for the same from the Network hospital and upon satisfactory receipt of last necessary documents the authorization will be issued.
  • Step 5 - Updates from Claims Service Associate
  • If such a service is requested by you, company’s claims service associate helps you navigate through the paper work and forms.
  • Step 6 - At the time of Discharge
  • Hospital will send company the final request for authorization of any residual amount along with final hospital bill and discharge summary. You will be discharged from the hospital upon receipt of final authorization letter from company. Any inadmissible expenses, copayments, deductions will have to be paid by you.
  • Step 7 - Payment to the network hospital made by CignaTTK
  • Once the Hospitalization is done, hospital will send the original claim documents to company. The claim will be assessed by company and payment will be made to the network hospital.

Grievance Redressal

Level 1

  • You can connect with company’s Health Relationship Managers by
  • 1. Calling Toll Free Helpline:1800-10-24462 between 9:00 AM to 9:00 PM.
  • 2.Or write at: headcustomercare@cignattk.in
  • 3.You can also submit your letter at:
  • Grievance Management Cell
  • 401/402, Raheja Titanium,
  • Western Express Highway,
  • Goregaon (East),
  • Mumbai – 400 063.
  • 4.Visit Branches - https://www.new-site.cignattkinsurance.in/contact-us

Level 2

  • Please write to Grievance Redressal Officer,
  • Ms. Shruti Vyas Senior Manager - Grievance Cell at - : complaints@cignattk.in

Level 3

  • Please write to our Senior Grievance Redressal Officer,
  • Mr. Sameer Bhatnagar Chief Grievance Redressal Officer at - : complaints@cignattk.in

Level 4

  • If the channels above have still not met your expectations, you may approach the insurance ombudsman, the office Name and address details applicable for your state can be obtained from the following
  • Mr. Sameer Bhatnagar Chief Grievance Redressal Officer at - : complaints@cignattk.in
  • Duly completed claim form (Intimation to toll-free number is mandatory before the form is filled).
  • Original bills, receipts and discharge certificate/ card from the hospital.
  • Original bills from chemists supported by proper prescription.
  • Receipt and investigation test reports from a pathologist supported by the note from attending medical practitioner/ surgeon prescribing the test.
  • Nature of operation performed and surgeon's bill and receipt.
  • Self-declaration/MLC/FIR in case of accident cases.
  • Treating doctor's certificate.
  • Step 1- Contact Toll free Healthline 1-800-10-24462
  • Before you seek medical treatment contact company 3 days in advance. This will allow company’s health relationship managers to help you follow the next few steps. In case of emergency, you can contact company within 48 hours of admission to the hospital.
  • Step 2 - Avail treatment at the hospital
  • You can avail treatment at hospital and settle all hospitalization expenses. Collect original hospital bill, receipts, discharge summary, investigation reports, pharmacy bills and other documents from hospital at the time of discharge from hospital.
  • Step 3 - Submit the claim documents
  • You have to download the claim form from company’s website www.cignattkinsurance.in Copy of this form is also included in the policy kit provided to you. Alternatively, you can contact your Health advisor or visit nearest CIGNATTK branch. Submit the claim documents at nearest CIGNATTK branch or Corporate office. The documents should be submitted within 15 days from discharge from the hospital.
  • Step 4 - CIGNATTK assesses the claim
  • Wherever the information provided in the claim documents is sufficient to ascertain the admissibility of claim, company will approve the claim. Wherever additional information or documents are required company will call for the same from you and upon satisfactory receipt of last necessary documents the claim will be settled by company.
  • Step 5 - Updates from Claims Service Associate
  • If such a service is requested by you, company’s claims service associate helps you navigate through the paper work and forms.
  • Step 6 - Settlement of claim
  • Upon approval of claim by company, payment of the reimbursement claim will be made to the policy holder either through NEFT or through cheque/DD.

Grievance Redressal

Level 1

  • You can connect with company’s Health Relationship Managers by
  • 1. Calling Toll Free Helpline:1800-10-24462 between 9:00 AM to 9:00 PM.
  • 2.Or write at: headcustomercare@cignattk.in
  • 3.You can also submit your letter at:
  • Grievance Management Cell
  • 401/402, Raheja Titanium,
  • Western Express Highway,
  • Goregaon (East),
  • Mumbai – 400 063.
  • 4.Visit Branches - https://www.new-site.cignattkinsurance.in/contact-us

Level 2

  • Please write to Grievance Redressal Officer,
  • Ms. Shruti Vyas Senior Manager - Grievance Cell at - : complaints@cignattk.in

Level 3

  • Please write to our Senior Grievance Redressal Officer,
  • Mr. Sameer Bhatnagar Chief Grievance Redressal Officer at - : complaints@cignattk.in

Level 4

  • If the channels above have still not met your expectations, you may approach the insurance ombudsman, the office Name and address details applicable for your state can be obtained from the following
  • Mr. Sameer Bhatnagar Chief Grievance Redressal Officer at - : complaints@cignattk.in
  • Duly completed claim form (Intimation to toll-free number is mandatory before the form is filled).
  • Original bills, receipts and discharge certificate/ card from the hospital.
  • Original bills from chemists supported by proper prescription.
  • Receipt and investigation test reports from a pathologist supported by the note from attending medical practitioner/ surgeon prescribing the test.
  • Nature of operation performed and surgeon's bill and receipt.
  • Self-declaration/MLC/FIR in case of accident cases.
  • Treating doctor's certificate.
  • Step 1 - Get admitted to any one of company’s network hospitals.
  • Step 2 - Use your Max Bupa Health Card or share your Policy number and Passport / PAN card / voter’s ID for identification purposes
  • Step 3 - The Network Hospital will check your identity for validation and submit the pre-authorisation request form to the company
  • Step 4 - Company will review and provide confirmation to the Network Hospital by fax and E-mail and also send a text message and an E-mail confirming the same to you. Company will respond to your request within 30 Minutes
  • Step 5 - Company will settle the claim (as per policy terms & conditions) with the hospital after completion of all formalities
  • Email – customercare@maxbupa.com
  • Call – Toll-free – 1860-3010-3333
  • Branch Locator - https://www.myinsuranceclub.com/life-insurance/max-life-branch-locator
  • Link for claim intimation on their website – https://www.maxbupa.com/customer-care/health-services/health-claim.aspx

Grievance Redressal

Step 1

  • Call on Customer helpline number 1860-3010-3333. Alternatively write to Gargi Sahu, General Manager & Grievance Redressal Officer at
  • Email: grievanceredressal@maxbupa.com
  • Senior citizens may write at the following id: seniorcitizensupport@maxbupa.com OR
  • Visit us at any of their branches - https://www.maxbupa.com/Documents/Branch-GRO-list.pdf OR
  • Write at:
  • Customer Services Unit
  • Max Bupa Health Insurance Company Limited
  • B-1/I-2, Mohan Cooperative Industrial Estate, Mathura Road, New Delhi-110044.

Step 2

  • If the resolution has not met your expectation, kindly write to Navin Sahni, SVP & Grievance Redressal Officer at Email: priority.services@maxbupa.com

  • Step 3:
  • If we have not been able to resolve the issue and you wish to make a further suggestion or a complaint, please write to Vikas Gujral, Director & COO - Designated Grievance Officer at Email: GRO@maxbupa.com

  • Step 4:
  • If after having followed Steps 1, 2 and 3 company has not been able to resolve your concern, you can address the same independently to the Insurance Ombudsman Office.
  • to find the contact details of the Insurance Ombudsman Office nearest to you –
  • https://www.maxbupa.com/Documents/Ombudsman-Office-Address.pdf

A. Accident Death

  • Duly filled and signed claim form and KYC documents
  • Copy of Death Certificate (issued by the office of Registrar of Births and Deaths)
  • Copy of First Information Report (FIR) / Panchnama
  • Copy of Medico Legal Certificate duly attested by the concerned hospital, if applicable
  • Copy of Hospital Record, if applicable
  • Copy of Post Mortem Report wherever applicable
  • B. Accident Permanent Total Disability

    • Duly filled and signed claim form and KYC documents
    • Hospital Discharge Summary (in original)/self attested copies if the originals are submitted with another insurer
    • Final Hospital Bill (in original)/self attested copies if the originals are submitted with another insurer
    • Medical consultations and investigations done from outside the hospital
    • Certificate of Disability issued by a Medical Board duly constituted by the Central and/or the State Government
    • Copy of First Information Report (FIR)/Panchnama if applicable
    • Copy of Medico Legal Certificate duly attested by the concerned hospital, if applicable
    • C.Accident Permanent Partial Disability

      • Duly filled and signed claim form and KYC documents
      • Hospital Discharge Summary (in original)/self attested copies if the originals are submitted with another insurer
      • Final Hospital Bill (in original)/self attested copies if the originals are submitted with another insurer
      • Medical consultations and investigations done from outside the hospital
      • Certificate of Disability issued by a Medical Board duly constituted by the Central and/or the State Government
      • Copy of First Information Report (FIR)/Panchnama if applicable
      • Copy of Medico Legal Certificate duly attested by the concerned hospital, if applicable
      • D. Accident Temporary Total Disability

        • Duly filled and signed claim form and KYC documents
        • Hospital Discharge Summary (in original)/self attested copies if the originals are submitted with another insurer
        • Final Hospital bill (in original)/self attested copies if the originals are submitted with another insurer
        • Copy of First Information Report (FIR)/Panchnama/Inquest report if applicable
        • Copy of Medico Legal Certificate duly attested by the concerned hospital if applicable
        • Attendance record of employer/Certificate of employer confirming period of absence
        • Disability certificate from treating doctor with seal and stamp
        • Medical certificate and Fitness certificate with seal and stamp
        • E. Accident Hospitalization

          • Duly filled and signed claim form and KYC documents
          • Hospital Discharge Summary (in original)/self attested copies if the originals are submitted with another insurer
          • Copy of First Information Report (FIR)/Panchnama/Inquest report if applicable
          • Copy of Medico Legal Certificate duly attested by the concerned hospital if applicable
          • Final Hospital bill with receipt /copies attested by other insurer if the originals are submitted with them
          • Original bills with supporting prescriptions and reports for investigations done outside the hospital/copies
          • attested by other insurer if the originals are submitted with them
          • Original bills with supporting prescriptions for medicines purchased from outside the hospital/copies attested by
          • other insurer if the originals are submitted with them
  • Step 1 - In case of hospitalization notify the company within 48 hours of your admission in our network or non – network hospital. After getting admitted pay directly to the hospital.
  • Step 2 - On discharge, please ensure you collect all relevant documents, invoices, medical reports and discharge certificate from the Hospital in originals.
  • Step 3 - Send the documents and the completely filled and signed claim form to company along with your valid ID proof and age proof. The claim form is available on the website www.maxbupa.com and in your policy document as well.
  • Step 4 – The company reviews your claim request and accordingly will approve, query or reject the same (as per policy terms & conditions).
  • Step 5 – Company will review your claim request and accordingly will approve, query or reject the same (as per policy terms & conditions).
  • Step 6 - Company will settle the claim (as per policy terms & conditions) and reimburse the approved amount.
  • Email – customercare@maxbupa.com
  • Call – Toll-free – 1860-3010-3333
  • Branch Locator - https://www.myinsuranceclub.com/life-insurance/max-life-branch-locator
  • Link for claim intimation on their website – https://www.maxbupa.com/customer-care/health-services/health-claim.aspx

Grievance Redressal

Step 1

  • Call on Customer helpline number 1860-3010-3333. Alternatively write to Gargi Sahu, General Manager & Grievance Redressal Officer at
  • Email: grievanceredressal@maxbupa.com
  • Senior citizens may write at the following id: seniorcitizensupport@maxbupa.com OR
  • Visit us at any of their branches - https://www.maxbupa.com/Documents/Branch-GRO-list.pdf OR
  • Write at:
  • Customer Services Unit
  • Max Bupa Health Insurance Company Limited
  • B-1/I-2, Mohan Cooperative Industrial Estate, Mathura Road, New Delhi-110044.

Step 2

  • If the resolution has not met your expectation, kindly write to Navin Sahni, SVP & Grievance Redressal Officer at Email: priority.services@maxbupa.com

  • Step 3:
  • If we have not been able to resolve the issue and you wish to make a further suggestion or a complaint, please write to Vikas Gujral, Director & COO - Designated Grievance Officer at Email: GRO@maxbupa.com

  • Step 4:
  • If after having followed Steps 1, 2 and 3 company has not been able to resolve your concern, you can address the same independently to the Insurance Ombudsman Office.
  • to find the contact details of the Insurance Ombudsman Office nearest to you –
  • https://www.maxbupa.com/Documents/Ombudsman-Office-Address.pdf

A. Accident Death

  • Duly filled and signed claim form and KYC documents
  • Copy of Death Certificate (issued by the office of Registrar of Births and Deaths)
  • Copy of First Information Report (FIR) / Panchnama
  • Copy of Medico Legal Certificate duly attested by the concerned hospital, if applicable
  • Copy of Hospital Record, if applicable
  • Copy of Post Mortem Report wherever applicable
  • B. Accident Permanent Total Disability

    • Duly filled and signed claim form and KYC documents
    • Hospital Discharge Summary (in original)/self attested copies if the originals are submitted with another insurer
    • Final Hospital Bill (in original)/self attested copies if the originals are submitted with another insurer
    • Medical consultations and investigations done from outside the hospital
    • Certificate of Disability issued by a Medical Board duly constituted by the Central and/or the State Government
    • Copy of First Information Report (FIR)/Panchnama if applicable
    • Copy of Medico Legal Certificate duly attested by the concerned hospital, if applicable
    • C.Accident Permanent Partial Disability

      • Duly filled and signed claim form and KYC documents
      • Hospital Discharge Summary (in original)/self attested copies if the originals are submitted with another insurer
      • Final Hospital Bill (in original)/self attested copies if the originals are submitted with another insurer
      • Medical consultations and investigations done from outside the hospital
      • Certificate of Disability issued by a Medical Board duly constituted by the Central and/or the State Government
      • Copy of First Information Report (FIR)/Panchnama if applicable
      • Copy of Medico Legal Certificate duly attested by the concerned hospital, if applicable
      • D. Accident Temporary Total Disability

        • Duly filled and signed claim form and KYC documents
        • Hospital Discharge Summary (in original)/self attested copies if the originals are submitted with another insurer
        • Final Hospital bill (in original)/self attested copies if the originals are submitted with another insurer
        • Copy of First Information Report (FIR)/Panchnama/Inquest report if applicable
        • Copy of Medico Legal Certificate duly attested by the concerned hospital if applicable
        • Attendance record of employer/Certificate of employer confirming period of absence
        • Disability certificate from treating doctor with seal and stamp
        • Medical certificate and Fitness certificate with seal and stamp
        • E. Accident Hospitalization

          • Duly filled and signed claim form and KYC documents
          • Hospital Discharge Summary (in original)/self attested copies if the originals are submitted with another insurer
          • Copy of First Information Report (FIR)/Panchnama/Inquest report if applicable
          • Copy of Medico Legal Certificate duly attested by the concerned hospital if applicable
          • Final Hospital bill with receipt /copies attested by other insurer if the originals are submitted with them
          • Original bills with supporting prescriptions and reports for investigations done outside the hospital/copies
          • attested by other insurer if the originals are submitted with them
          • Original bills with supporting prescriptions for medicines purchased from outside the hospital/copies attested by
          • other insurer if the originals are submitted with them
  • Step 1-Doctor advises hospitalisation
  • Step 2- Intimate your claim .
  • Step 3 – Visit network hospital for the treatment.
  • Step 4 –Hospital’s TPA desk contact company for arranging cashless treatment.

Grievance Redressal

Step 1 - Call – 1800-3009

Email:: rgicl.services@relianceada.com

Contact branches - Branch Locator - https://www.reliancegeneral.co.in/Insurance/About-Us/Contact-Us.aspx

Write to the company at (Correspondence Only):
Reliance General Insurance, Correspondence Unit, 301-302, Corporate House RNT Marg, Opp. Jhabua Tower, Indore, Madhya Pradesh, India - 452001

Step 2 – If you are not satisfied with the response, please email - Nodal Officer at rgicl.grievances@relianceada.com

Step 3 – If even this leaves you dissatisfied, please email ​- Head Grievances at ​rgicl.headgrievances@relianceada.com

Step 4 - If after having followed Step 1, 2 and 3 your issue remains unresolved, you may approach the Insurance Ombudsman for redressal.
Click here to get details on Insurance Ombudsman Offices​ – http://ecoi.co.in/ombudsman.html

Hospitalisation / Day-Care Treatment

  • Completely filled and duly signed Claim Form
  • Doctor’s first prescription (with commencement date of the symptom of disease)
  • Treatment papers (along with doctors prescriptions)
  • Investigation reports (X-ray/Scan/ECG, Laboratory etc)
  • Original medical bills and receipts(from hospital, doctors, medical shops or diagnostic centre, all supported by doctor's advice)
  • Original hospital discharge card
  • Copy of FIR (in case of accident)
  • Cancelled Cheque – CTS 2010 format (Printed account number, IFSC code and Printed name of insured). In case, insured’s name is not printed on the canceled cheque, provide scanned copy of 1st page of passbook or bank statement.
  • Photocopy of identification card of patient & PAN card of insured
  • Copy of Health card
  • Step 1-Doctor advises hospitalisation
  • Step 2- Intimate your claim .
  • Step 3 – Undergo your treatment at the hospital and make the payment .
  • Step 4 – Submit your documents within 15 days of discharge for reimbursement .

Grievance Redressal

Step 1 - Call – 1800-3009

Email:: rgicl.services@relianceada.com

Contact branches - Branch Locator - https://www.reliancegeneral.co.in/Insurance/About-Us/Contact-Us.aspx

Write to the company at (Correspondence Only):
Reliance General Insurance, Correspondence Unit, 301-302, Corporate House RNT Marg, Opp. Jhabua Tower, Indore, Madhya Pradesh, India - 452001

Step 2 – If you are not satisfied with the response, please email - Nodal Officer at rgicl.grievances@relianceada.com

Step 3 – If even this leaves you dissatisfied, please email ​- Head Grievances at ​rgicl.headgrievances@relianceada.com

Step 4 - If after having followed Step 1, 2 and 3 your issue remains unresolved, you may approach the Insurance Ombudsman for redressal.
Click here to get details on Insurance Ombudsman Offices​ – http://ecoi.co.in/ombudsman.html

Hospitalisation / Day-Care Treatment

  • Completely filled and duly signed Claim Form
  • Doctor’s first prescription (with commencement date of the symptom of disease)
  • Treatment papers (along with doctors prescriptions)
  • Investigation reports (X-ray/Scan/ECG, Laboratory etc)
  • Original medical bills and receipts(from hospital, doctors, medical shops or diagnostic centre, all supported by doctor's advice)
  • Original hospital discharge card
  • Copy of FIR (in case of accident)
  • Cancelled Cheque – CTS 2010 format (Printed account number, IFSC code and Printed name of insured). In case, insured’s name is not printed on the canceled cheque, provide scanned copy of 1st page of passbook or bank statement.
  • Photocopy of identification card of patient & PAN card of insured
  • Copy of Health card

Step 1 : Claim Intimation

  • In case of an emergency hospitalization, call and inform at 1800-102-4488 within 24 hours of your admission. However, if your hospitalization is planned, kindly intimate 48 hours prior to your admission by calling on the same number or writing to Religare Health at customerfirst@religarehealthinsurance.com

Step 2 : Initiating the process for Pre-Authorization

  • A Pre-Authorization form will be available at the hospital's Insurance/TPA desk, or you can alternatively download the same from http://www.religarehealthinsurance.com/health-insurance-claim-forms.html
  • Please fill the first section of the form by giving your personal details and hand over signed Pre-Authorization form to hospital's Insurance/TPA desk for them to fill up the balance details.
  • Hospital will fax the completed Pre-Authorization form to Religare Health at 1800-200-6677.

Step 3 : Processing a request for Pre-Authorization

  • Company’s in-house medical team will review the case and documents submitted by hospital.
  • If your request for Pre-Authorization is approved, you and the hospital will be duly informed.
  • In case of any information deficiency or further information requirement, you and the hospital will be regularly intimated by the company to ensure resolution of the same at the earliest.
  • If your request for Pre-Authorization is not approved, it only indicates that company was not able to process your request basis the requisite information available with them at this point of time. In such cases, you may claim for reimbursement of your expenses after discharge from the hospital

Link for claim intimation on their website - https://www.religarehealthinsurance.com/rhicl/claim/login

Grievance Redressal

Step 1 - Call on - 1860 - 500 - 4488 / 1800 - 102 - 4488 (Toll Free)

Or Email : customerfirst@religarehealthinsurance.com

Or Write to:
Customer Service
Religare Health Insurance Company Limited,
Vipul Tech Square, Tower C, 3rd Floor,Sector - 43, Golf Course Road,
Gurgaon - 122009

Or Visit any of company’s branches - https://www.religarehealthinsurance.com/health-insurance-branch-locator.html

Step 2 - If the resolution you received does not meet your expectations, Please email to manager - Customer service, here -https://www.religarehealthinsurance.com/grievance-step2.php

Step 3 - If you are still not satisfied with the resolution provided, Please email to head - Customer service, here - https://www.religarehealthinsurance.com/grievance-step3.php

Step 4 - If after having followed 1, 2 and 3 your issue remain unresolved, you may approach the Insurance Ombudsman, for Redressal, here - https://www.irdai.gov.in/ADMINCMS/cms/NormalData_Layout.aspx?page=PageNo234&mid=7.2

  • Duly completed and signed Claim form, in original
  • Valid photo-id proof
  • Medical practitioner's referral letter advising Hospitalization
  • Medical practitioner's prescription advising drugs/diagnostic tests/consultation
  • Original bills, receipts and Discharge card from the Hospital/Medical Practitioner
  • Original bills from pharmacy/Chemists
  • Original pathological/diagnostic tests reports/radiology reports and payment receipts
  • Indoor case papers
  • First information Report, final police report, if applicable
  • Post mortem report, if conducted
  • Any other document as required by the company to assess the claim

Step 1 : Claim Intimation

In case of emergency, call and inform company within 24 hours of your admission. However, if your hospitalization is planned, kindly intimate the company 48 hours prior to your admission. The following information is to be provided during the claim intimation-

  • Policy Holder's Name.
  • Claimant's Name & Customer ID.
  • Hospital details.
  • Diagnosis and Treatment details.
  • Approximate claim amount.
  • Date of admission

Company will provide a reference ID for all future communication pertaining to the claim request.

Step 2 : Initiating the Claim process (Also applicable for Pre/Post Hospitalization claims)

The Claim form can be downloaded from https://www.religarehealthinsurance.com/health-insurance-claim-forms.html

The claim form and additional documents are to be sent to company at the following address:

Religare Health Insurance Company Limited,
Vipul Tech Square, Tower C, 3rd Floor ,Sector - 43, Golf Course Road,
Gurgaon – 122009

Step 3 : Claim Processing and Reimbursement

  • Duly completed and signed Claim form, in original
  • Valid photo-id proof
  • Medical practitioner's referral letter advising Hospitalization
  • Medical practitioner's prescription advising drugs/diagnostic tests/consultation
  • Original bills, receipts and Discharge card from the Hospital/Medical Practitioner
  • Original bills from pharmacy/Chemists
  • Original pathological/diagnostic tests reports/radiology reports and payment receipts
  • Indoor case papers
  • First information Report, final police report, if applicable
  • Post mortem report, if conducted
  • Any other document as required by the company to assess the claim

When the member of the covered family is aware of the hospitalisation in advance.

Step 1 - In case of planned hospitalisation:

  • Please contact the toll-free help line: 1800 425 2255
  • Fax the Pre-Authorization form duly filled from the hospital at the below numbers
  • Toll-free: 1800 425 5522
  • Non Toll-free: 044 28302200
  • Please carry your ID card and policy schedule

Step 2 - Approach the insurance desk of hospital.

Step 3 - Show the ID card for identification purpose.

Step 4 - Network hospital would verify your identity and submit pre-authorization form to the company.

Step 5 – Company’s doctor will assess the documents and process the claim as per terms and conditions of the policy.

Step 6 – Company will also assign a field doctor to make the hospitalisation simple for you.

Company will settle the claim as per policy terms & conditions with the hospital after completion of all formalities.

Emergency

When the Insured meets with an accident or suffers from bout of illness that requires immediate admission to the hospital.

  • After the patient is rushed to the hospital and avails treatment.
  • Family to contact the toll free help line - 1800 425 2255 and Fax the Pre-Authorization form duly filled from the hospital at the below numbers within 24 hours of admission.
  • Toll-free:1800 425 5522
  • Non Toll-free: 044 28302200

Email support@starhealth.in

Call Toll-free - 1800-425-2255 / 1800-102-4477
Others - (044)- 2853 2060 / 2853 2030

Branch Locator - https://www.starhealth.in/locate-us

Link for claim intimation on their website - https://www.starhealth.in/claims/claims-intimation

Write to them at –
The Manager - Customer Care,
Star Health & Allied Insurance Co. Ltd,
No.1, New Tank Street, Valluvarkottam High Road,
Nungambakkam,
Chennai - 600 034

Grievance Redressal

Level 1 –

Contact Grievance Officer of your ZO/AO.

Contact Grievance Officer of the policy servicing office.

Level 2

If you are not satisfied with our Zonal Grievance Coordinator's response then call company at toll free number 1800 425 2255 / 1800 102 4477.

OR

Register your complaint on the following link : https://www.starhealth.in/grievance-redressal

Level 3 –

  • Contact the following person –
  • Mrs. Vijayalakshmi Pandit,
  • Grievance Redressal Officer,
  • Corporate Grievance Department,
  • No.1,New Tank Street,
  • Valluvar Kottam High road
  • Chennai 600034
  • Direct : 044-2824 3925
  • Mobile No. 9444492211
  • Mail ID:- vijayalakshmi.pandit@starhealth.in ,Grievances@starhealth.in

Level 4 –

If all the above steps do not meet your expectations or your issue is still unresolved or you are unhappy with company’s decision then escalate to: Insurance Regulatory Authority by registering your complaint with IRDA Grievance Call Centre (IGCC), can be accessed through.

  • Health card
  • Duly filled claim form
  • Doctor's consultation papers
  • Investigation reports (e.g. X-ray, scans, blood report, etc.)
  • Pharmacy invoices supported by respective prescriptions
  • In cases of accidents, Medico Legal Certificate (MLC) and / or FIR
  • Discharge summary
  • Other relevant documents
  • Documents other than the Health Card should be submitted in original
  • Step 1- Company will assign a field doctor to make the hospitalisation simple for you.
  • Step 2 - Upon discharge, pay all hospital bills and collect all original documents of treatment undergone and expenses incurred.
  • Step 3 - Claim form has to be filled in and along with, all the relevant original documents have to be submitted at the nearest star office. Branch Locator - https://www.starhealth.in/locate-us
  • Step 4 - Company will settle the claim subject to policy terms and conditions.

Email support@starhealth.in

Call Toll-free - 1800-425-2255 / 1800-102-4477
Others - (044)- 2853 2060 / 2853 2030

Branch Locator - https://www.starhealth.in/locate-us

Link for claim intimation on their website - https://www.starhealth.in/claims/claims-intimation

Write to them at –
The Manager - Customer Care,
Star Health & Allied Insurance Co. Ltd,
No.1, New Tank Street, Valluvarkottam High Road,
Nungambakkam,
Chennai - 600 034

Grievance Redressal

Level 1 –

Contact Grievance Officer of your ZO/AO.

Contact Grievance Officer of the policy servicing office.

Level 2

If you are not satisfied with our Zonal Grievance Coordinator's response then call company at toll free number 1800 425 2255 / 1800 102 4477.

OR

Register your complaint on the following link : https://www.starhealth.in/grievance-redressal

Level 3 –

  • Contact the following person –
  • Mrs. Vijayalakshmi Pandit,
  • Grievance Redressal Officer,
  • Corporate Grievance Department,
  • No.1,New Tank Street,
  • Valluvar Kottam High road
  • Chennai 600034
  • Direct : 044-2824 3925
  • Mobile No. 9444492211
  • Mail ID:- vijayalakshmi.pandit@starhealth.in ,Grievances@starhealth.in

Level 4 –

If all the above steps do not meet your expectations or your issue is still unresolved or you are unhappy with company’s decision then escalate to: Insurance Regulatory Authority by registering your complaint with IRDA Grievance Call Centre (IGCC), can be accessed through.

  • Duly completed claim form (Intimation to toll-free number is mandatory before the form is filled).
  • Original bills, receipts and discharge certificate/ card from the hospital.
  • Original bills from chemists supported by proper prescription.
  • Receipt and investigation test reports from a pathologist supported by the note from attending medical practitioner/ surgeon prescribing the test.
  • Nature of operation performed and surgeon's bill and receipt.
  • Self-declaration/MLC/FIR in case of accident cases.
  • Treating doctor's certificate.
  • If less than 15, BED to provide hospital registration certificate

Accidental Death

  • Duly completed claim form
  • Death certificate from government authorities
  • First information report/medico legal case
  • Post-Mortem report
  • Panchanama
  • Police inquest report / coroner's report
  • Original policy copy
  • Legal heir certificate / succession certificate/will duly probated where there is no assignee under the policy
  • Viscera report
  • Death Summary

Disability

  • Duly completed claim form & disability certificate
  • Photo of the amputated site
  • Certificate from the treating doctor for the percentage and the period of disability based on the location of the amputated part from
  • orthopedic surgeon
  • Field visit report
  • Employee certificate (leave certificate) for the disability period
  • Step 1: Register your claim
  • Option A: To register your claim online, please click - https://general.bajajallianz.com/BagicNxt/MotClaims/index.jsp
  • Option B: To register your claim on the phone, please dial Toll Free Number:
  • You will need to provide:
  • Contact number
  • Engine and Chassis Number
  • Accident date and time
  • Description and location of the accident
  • Vehicle inspection address
  • Km. reading
  • Besides the damage to the vehicle, submit all mandatory documents, such as Self-attested registration certificate,
    Driving license
    KYC Document (For loss above 1Lakh) i.e. and
    Original claim form to repairer or surveyor and get them verified with originals.
    For Commercial Vehicle claim submit Fitness Certificate, Route Permit, Goods Receipt (If loaded) etc.
  • Once the claim is registered, the customer support executive will provide you with a Claim Reference Number.

Step 2: Send your Vehicle for Repair

  • In case of an accident: Take your vehicle to the garage (if movable) or have it towed to avoid further damage.
  • In case of a theft claim: File a police complaint immediately in writing and inform the company on Toll Free Number. If your vehicle isn't found within 90 days, ask the police to issue you a Non-Traceable Report. This is an undertaking given by the police that they are yet to find your vehicle; you need to submit this report. After this the company starts the claim process.

Grievance Redressal

Step 1

In case you have any Grievance, you may report your Grievances at following touch points:

Write at -
Bharti AXA General Insurance, Spectrum Towers, 3rd floor,Malad Link Road, Malad (west), Mumbai- 400064
Call at 1800-103-2292 (Toll free)

Email your complaint at:: customer.service@bhartiaxa.com

Log a complaint at website: https://servicesonline.bharti-axagi.co.in/IGMS/?_ga=1.4656179.1058343701.1470046286

Visit company’s nearest branch & their staff will assist you to redress your Grievances. To locate the nearest Branches- https://wwwuat.bharti-axagi.co.in/dealer-locator


Step 2

If you are not still satisfied with the resolution & timelines (After 5 days of initimating of your complaint):
You may contact company’s Grievance Redressal Officer at:
Write to -

Bharti AXA General Insurance, Spectrum Towers, 3rd floor,Malad Link Road, Malad (west), Mumbai- 400064

Call at 022-48815939

Email - NGRO@bhartiaxa.com


Step 3

If you are not still satisfied with the resolution & timelines (After 5 days of approaching National Grievance Redressal Officer):
You may contact company’s Chief Grievance Redressal Officer at:

Email - CGRO@bhartiaxa.com

  • Vehicle registration number of the opponent vehicle involved in the accident, if vehicle has collided with another vehicle
  • Note down the name and contact numbers of witnesses, if any.
  • File an FIR at the police station nearest to the accident spot in case of third party property damage or bodily injury, theft, malicious damage, key loss and major accidents.
  • Self-attested registration certificate,
  • Driving license
  • KYC Document (For loss above 1Lakh) i.e and
  • Original claim form to repairer or surveyor and get them verified with originals.
  • For Commercial Vehicle claim submit Fitness Certificate, Route Permit ,Goods Receipt (If loaded) etc.
  • Step 1 –Register a claim by calling 1800 3009
  • Step 2 – Survey & Vehicle submission of claim documents.
  • Step 3 – Liability Confirmation
  • Step 4 – Vehicle Delivery

Grievance Redressal

Step 1

In case you have any Grievance, you may report your Grievances at following touch points:

  • Write to the company at (Correspondence Only) Reliance General Insurance, Correspondence Unit, 301-302, Corporate House RNT Marg, Opp. Jhabua Tower, Indore, Madhya Pradesh, India - 452001

Step 2

  • If you are not still satisfied with the resolution & timelines (After 5 days of initimating of your complaint):

Step 3

Step 4

  • If after having followed Step 1, 2 and 3 your issue remains unresolved, you may approach the Insurance Ombudsman for redressal.
  • Click here to get details on Insurance Ombudsman Offices​ - ecoi.co.in/ombudsman.html

Accident Damages:

  • Proof of Insurance - Policy / Cover Note copy
  • Copy of Registration Book, Tax Receipt (Original required for verification)
  • Copy of Motor Driving License (with original) of the person driving the vehicle at the material time.
  • Police Panchanama / FIR (In case of third-party property damage/ death / body injury)
  • Estimate for repairer, where the vehicle is to be repaired
  • Repair bills and payment receipts after the job is completed
  • Claims Discharge Cum Satisfaction Voucher signed across a Revenue stamp in this format (In case Car Insurance claim is to be paid to repairer)

Theft Cases:

  • Original Certificate/Policy Document
  • Original Registration Book, with Theft endorsement from concerned RTO, and tax payment receipt
  • Previous Insurance Details: a. Policy number b. Insuring office / company c. Period of insurance
  • All the sets of keys/service booklets/Warranty card
  • Police Panchanama / FIR and final investigation report/JMFC report
  • Acknowledged copy of letter address to RTO intimating theft and making vehicle "NON-USE"
  • Step 1- Inform Royal Sundaram immediately and keep the following details on hand:
  • Policy Details
  • Contact Details
  • Loss Details
  • Step 2 - Survey will be arranged on receipt of claim intimation and submission of detailed estimate of repairs from the repairer.
  • Please refrain from dismantling or repairing the vehicle before survey is completed.
  • Step 3 - Duly filled and signed claim form. Please note that it is mandatory to update Aadhaar and PAN details. For company owned vehicles, signature of authorized signatory along with company seal is required.
  • Step 4 - If all documents are found to be in order, company will arrange for cashless facility. You may collect the vehicle after completing a satisfaction voucher and paying any amount as required.
  • For Non-cashless claims (reimbursement claims), original cash bill or Invoice with cash receipt is required for settlement of claim.
  • Vehicle may have to be produced for re-inspection, if requested by surveyor

Grievance Redressal

If you are not satisfied with company’s service and require a better resolution to your problem, please raise a complaint at –

  • The company would come back to you with a response within 2 business days.
  • Duly filled and signed claim form. Please note that it is mandatory to update Aadhaar and PAN details. For company owned vehicles, signature of authorized signatory along with company seal is required.
  • Registration Certificate of the vehicle along with photocopy. Original to be verified and returned
  • Driving License of the driver at the time of accident along with photocopy. Original to be verified and returned
  • FIR from police station if third party death/ injury or property damage
  • If the claim amount exceeds Rs. 1,00,000, we require a copy of your PAN Card along with a recent passport photo
  • Other documents may be requested based on the requirements of the claim
  • Note the vehicle registration number of the opponent vehicle involved in the accident, if vehicle has collided with another vehicle
  • Note down the name and contact numbers of witnesses, if any.
  • Call Bharti Axa on toll-free number (1800-103-2292) or Drop an email at claims@bhartiaxa.com to register your claim
  • Once your claim is registered, you will receive a confirmation SMS on your registered number within an hour. This will have your Bharti-AXA General Insurance (BAGI) claim number along with the next steps towards your claim settlement process.
  • In less than 24 hours of your claim registration, a BAGI representative will call you explaining the complete process and intimating you about the various documents that you will need to furnish for claim processing.
  • File an FIR at the police station nearest to the accident spot in case of third party property damage or bodily injury, theft, malicious damage, key loss and major accidents.
  • Take the vehicle immediately to the suggested garage
  • Company will appoint a surveyor to come and physically inspect the car within 24 hours.
  • Besides the damage to the vehicle, submit all mandatory documents, such as Self-attested registration certificate,
    Driving license
    KYC Document (For loss above 1Lakh) i.e. and
    Original claim form to repairer or surveyor and get them verified with originals.
    For Commercial Vehicle claim submit Fitness Certificate, Route Permit, Goods Receipt (If loaded) etc.
  • Surveyor will assess the loss based on policy terms and condition
  • You have an option of several cashless garages across India which can be found on the following link - https://www.bharti-axagi.co.in/cashless-garage-network
  • Once the work is completed, the garage will submit its repair invoice and the re-inspection of vehicle will be done
  • Payments that need to borne by company at their preferred garage will be made directly to the garage on completion of the repairs.
  • Company’s CSM will inform you about the balance amount that has to be paid by you as per policy terms and conditions.

Grievance Redressal

Step 1

In case you have any Grievance, you may report your Grievances at following touch points:

Step 2

  • If you are not still satisfied with the resolution & timelines (After 5 days of initimating of your complaint):
    • Bharti AXA General Insurance, Spectrum Towers, 3rd floor,Malad Link Road, Malad (west), Mumbai- 400064
    • Call at 022-48815939
    • Email -NGRO@bhartiaxa.com

    Step 3

    • If you are not still satisfied with the resolution & timelines (After 5 days of approaching National Grievance Redressal Officer):
    • You may contact company’s Chief Grievance Redressal Officer at:
    • Email -CGRO@bhartiaxa.com
  • Vehicle registration number of the opponent vehicle involved in the accident, if vehicle has collided with another vehicle
  • Note down the name and contact numbers of witnesses, if any.
  • File an FIR at the police station nearest to the accident spot in case of third party property damage or bodily injury, theft, malicious damage, key loss and major accidents.
  • Self-attested registration certificate,
  • Driving license
  • KYC Document (For loss above 1Lakh) i.e.
  • Original claim form to repairer or surveyor and get them verified with originals.
  • For Commercial Vehicle claim submit Fitness Certificate, Route Permit ,Goods Receipt (If loaded) etc.
  • Note the vehicle registration number of the opponent vehicle involved in the accident, if vehicle has collided with another vehicle
  • Note down the name and contact numbers of witnesses, if any.
  • You can contact us through any of our 24x7 convenient intimation modes
  • Call on toll-free number (1800-103-2292) or
    Send an SMS (91 80 49123900) or
    Drop an email at claims@bhartiaxa.com to register your claim.
  • Once your claim is registered, you will receive a confirmation SMS on your registered number within an hour. This will have your Bharti-AXA General Insurance (BAGI) claim number along with the next steps towards your claim settlement process.
  • In less than 24 hours of your claim registration, a BAGI representative will call you explaining the complete process and intimating you about the various documents that you will need to furnish for claim processing.
  • File an FIR at the police station nearest to the accident spot in case of third party property damage or bodily injury, theft, malicious damage, key loss and major accidents.
  • Submit all the required documents to the CSM and get them verified with the originals.
  • For Commercial Vehicle claim submit Fitness Certificate, Route Permit ,Goods Receipt (If loaded) etc.
  • Bharti AXA General will initiate the claim process.
  • Bharti AXA General will reimburse the approved claim amount directly to the customer.

Grievance Redressal

Step 1

In case you have any Grievance, you may report your Grievances at following touch points:

Step 2

  • If you are not still satisfied with the resolution & timelines (After 5 days of initimating of your complaint):
    • Bharti AXA General Insurance, Spectrum Towers, 3rd floor,Malad Link Road, Malad (west), Mumbai- 400064
    • Call at 022-48815939
    • Email -NGRO@bhartiaxa.com

    Step 3

    • If you are not still satisfied with the resolution & timelines (After 5 days of approaching National Grievance Redressal Officer):
    • You may contact company’s Chief Grievance Redressal Officer at:
    • Email -CGRO@bhartiaxa.com

  • Vehicle registration number of the opponent vehicle involved in the accident, if vehicle has collided with another vehicle
  • Note down the name and contact numbers of witnesses, if any.
  • File an FIR at the police station nearest to the accident spot in case of third party property damage or bodily injury, theft, malicious damage, key loss and major accidents.
  • Self-attested registration certificate,
  • Driving license
  • KYC Document (For loss above 1Lakh) i.e.
  • Original claim form to repairer or surveyor and get them verified with originals.
  • For Commercial Vehicle claim submit Fitness Certificate, Route Permit ,Goods Receipt (If loaded) etc.
  • Locate HDFC Ergo’s network garages on www.hdfcergo.com or call toll free no 1800-2-700-700 for details
  • Drive or have your vehicle towed to the nearest network garage.
  • All damages / losses will be surveyed and assessed by company’s surveyor.
  • Fill in the claim form and provide the related documents as mentioned in the form.
  • You will be updated through SMS/Emails on every stage of the claim.
  • Once the vehicle is ready, pay your share of the claim consisting of Compulsory deductible, depreciation etc. to the garage and drive off. The balance would be settled by company directly with the network garage
  • Receive the claims computation sheet with entire break up for your ready records.

Grievance Redressal

  • Customer Service no: 022 - 6234 6234 / 0120 - 62346234
  • For lodging a complaint online, email to customer service desk at- care@hdfcergo.com

Escalation Level 1

Escalation Level 2

  • In case, you are not satisfied with the decision/resolution of the above office, or have not received any response within 15 days, you may write to: cgo@hdfcergo.com

Escalation Level 3

  • If after following Escalation Level 1 and 2 as stated above your issue remains unresolved, you may approach the Insurance Ombudsman for Redressal.

Contact Details of Insurance Ombudsman – https://customersupport.hdfcergo.com/grievance/insurance_ombudsman_centers.html

  • Locate HDFC Ergo’s network garages on www.hdfcergo.com or call toll free no 1800-2-700-700 for details
  • Drive or have your vehicle towed to the nearest network garage.
  • All damages / losses will be surveyed and assessed by company’s surveyor.
  • Fill in the claim form and provide the related documents as mentioned in the form.
  • You will be updated through SMS/Emails on every stage of the claim.
  • Once the vehicle is ready, pay your share of the claim consisting of Compulsory deductible, depreciation etc. to the garage and drive off. The balance would be settled by company directly with the network garage
  • Receive the claims computation sheet with entire break up for your ready records.
  • Intimate a claim on company’s Mobile App or Toll free helpline no – 1800-2-700-700
  • All damages / losses will be surveyed and assessed by company’s surveyor.
  • Submit the duly filled and signed claim form along with the documents as mentioned in the form
  • On receipt of complete documents, the claim would be processed
  • You will be updated through SMS/Emails on every stage of the claim.
  • Payment would be made through NEFT if opted, or through Cheque
  • You will receive the claims computation sheet with entire break up for your ready records

Grievance Redressal

  • Customer Service no: 022 - 6234 6234 / 0120 - 62346234
  • For lodging a complaint online, email to customer service desk at- care@hdfcergo.com

Escalation Level 1

Escalation Level 2

  • In case, you are not satisfied with the decision/resolution of the above office, or have not received any response within 15 days, you may write to: cgo@hdfcergo.com

Escalation Level 3

  • If after following Escalation Level 1 and 2 as stated above your issue remains unresolved, you may approach the Insurance Ombudsman for Redressal.

Contact Details of Insurance Ombudsman – https://customersupport.hdfcergo.com/grievance/insurance_ombudsman_centers.html

  • Intimate a claim on company’s Mobile App or Toll free helpline no – 1800-2-700-700
  • All damages / losses will be surveyed and assessed by company’s surveyor.
  • Submit the duly filled and signed claim form along with the documents as mentioned in the form
  • On receipt of complete documents, the claim would be processed
  • You will be updated through SMS/Emails on every stage of the claim.
  • Payment would be made through NEFT if opted, or through Cheque
  • You will receive the claims computation sheet with entire break up for your ready records

    Step 1 – Intimate Online or Call on 1800-220-233 or SMS MOTORCLAIM to 9222211100

    Step 2 – Surveyor will inspect the vehicle

    Step 3 – Provide requested documents to surveyor

    Step 4 – Approved claim amount will be communicated to workshop

    Step 5 – Payment will be made directly to Future Generali convenient workshop

    Grievance Redressal

    If you have a complaint or grievance you may reach through the following avenues:

    Contact No. – 1800-220-233/1860-500-3333/022-67837800

    Email:: fgcare@futuregenerali.in

    Walk-in to any of company’s branches and request to meet the Grievance Redressal Officer (GRO): general.futuregenerali.in/branch-locator

    You may also register your complaint through the IRDA – Call Center – 155255 ( Toll Free Number)

    Register online at - igms.irda.gov.in/

    If you are still not satisfied with the resolution kindly write to the Grievance Redressal Cell at their Head Office-

    • Grievance Redressal Cell
    • Mr. Hari Shankar Mishra
    • Grievance Redressal Officer
    • Future Generali India Insurance Co Ltd.
    • Indiabulls Finance Centre,
    • Tower 3, 6th Floor, Senapati Bapat Marg,
    • Elphinstone (W), Mumbai - 400 013.

    If you are still dissatisfied with the resolution provided, you may opt to approach the office of Insurance Ombudsman, provided the same is under their purview. The guidelines for taking up a complaint with the Insurance Ombudsman, along with their addresses are available on the consumer education website of the IRDA which is- www.policyholder.gov.in/Ombudsman.aspx

Own Damage claims

  • Copy of the Certificate of Insurance cum Policy Schedule
  • Claim form
  • Copy of RC book
  • Copy of Driving License
  • Estimate
  • Final repair invoice and receipt / Satisfaction voucher for cashless payment

Third Party Claims

  • Claim form duly filled and signed
  • Copy of the Certificate of Insurance cum Policy Schedule
  • Copy of Driving License of the driver at the relevant time of accident (with original for verification)
  • FIR / Police Panchnama
  • Court Notice / Summons
  • Copy of Registration Certificate and other vehicular documents (with originals for verification)

Theft Claims

  • Original Policy
  • Claim form
  • Original Registration certificate
  • FIR
  • Original set of keys
  • Original Sales invoice & Tax receipt
  • Intimation to RTO (to inform RTO that the car is stolen and not to transfer)
  • Transfer papers
  • Indemnity Bond
  • Subrogation letter

    Step 1 – Intimate Online or Call on 1800-220-233 or SMS MOTORCLAIM to 9222211100

    Step 2 – Surveyor will inspect the vehicle

    Step 3 – Provide requested documents to surveyor

    Step 4 – Make payment to the workshop directly & submit bills along with payment receipt to surveyor / Future Generali branch.

    Step 5 – Future Generali makes payment to insured in 7 working days from date of submission of final documents.

    Call –1800-220-233

    Email fgcare@futuregenerali.in

    Branch Locator - - https://general.futuregenerali.in/branchlocator

Grievance Redressal

If you have a complaint or grievance you may reach through the following avenues:

Contact No. – 1800-220-233/1860-500-3333/022-67837800

Email:: fgcare@futuregenerali.in

Walk-in to any of company’s branches and request to meet the Grievance Redressal Officer (GRO): general.futuregenerali.in/branch-locator

You may also register your complaint through the IRDA – Call Center – 155255 ( Toll Free Number)

Register online at - igms.irda.gov.in/

If you are still not satisfied with the resolution kindly write to the Grievance Redressal Cell at their Head Office-

  • Grievance Redressal Cell
  • Mr. Hari Shankar Mishra
  • Grievance Redressal Officer
  • Future Generali India Insurance Co Ltd.
  • Indiabulls Finance Centre,
  • Tower 3, 6th Floor, Senapati Bapat Marg,
  • Elphinstone (W), Mumbai - 400 013.

If you are still dissatisfied with the resolution provided, you may opt to approach the office of Insurance Ombudsman, provided the same is under their purview. The guidelines for taking up a complaint with the Insurance Ombudsman, along with their addresses are available on the consumer education website of the IRDA which is- www.policyholder.gov.in/Ombudsman.aspx

Own Damage claims

  • Copy of the Certificate of Insurance cum Policy Schedule
  • Claim form
  • Copy of RC book
  • Copy of Driving License
  • Estimate
  • Final repair invoice and receipt / Satisfaction voucher for cashless payment

Third Party Claims

  • Claim form duly filled and signed
  • Copy of the Certificate of Insurance cum Policy Schedule
  • Copy of Driving License of the driver at the relevant time of accident (with original for verification)
  • FIR / Police Panchnama
  • Court Notice / Summons
  • Copy of Registration Certificate and other vehicular documents (with originals for verification)

Theft Claims

  • Original Policy
  • Claim form
  • Original Registration certificate
  • FIR
  • Original set of keys
  • Original Sales invoice & Tax receipt
  • Intimation to RTO (to inform RTO that the car is stolen and not to transfer)
  • Transfer papers
  • Indemnity Bond
  • Subrogation letter
  • 1. Claim intimation to Bajaj Allianz through call center/mail/letter/local office
  • 2. Surveyor Appointment for loss Assessments. Surveyor visits Loss place
  • 3. Claim registered in Bajaj’s system. Claim number is informed to Insured customer
  • 4. Survey will be done by Surveyor/in-house assessor and issue list of required documents to customer in 48-72 hours (on case to case basis). Customers have to arrange within 7-15 working days
  • 5. After receipt of all documents Loss Adjuster prepares report and submits the same to Bajaj Allianz
  • 6. After receipt of Survey report (FSR) and documents including KYC, NEFT from client claim processed within 7-10 working days (depends on type of loss)
  • 7. Claim handle of Bajaj verifies loss, scrutinizes documents, surveyor report and process further settlement
  • 8. After finalizing final claim amount Bajaj Allianz informs the customer and releases the payment

Grievance Redressal

Level 1

Level 2

  • In case customer is not satisfied with the response given by the team, customer may write to company’s
  • Grievance Redressal Officer - Mr. Rakesh Sharma at ggro@bajajallianz.co.in

Level 3

  • If customer is still not satisfied with the resolution provided, you can further escalate at email: head.customerservice@bajajallianz.co.in
  • In case you are still not satisfied with the decision/resolution provided, customer may approach
  • the Insurance Regulatory and Development Authority of India (IRDAI) through by:
  • Calling its Toll-Free Number 155255 (or) 1800-4254-732
  • Sending a fax on 91-40-6678 9768
  • Sending an E-mail to - complaints@irda.gov.in
  • Writing to – Consumer Affairs Department Insurance Regulatory and Development Authority of India 9th floor, United India Towers, Basheerbagh, Hyderabad – 500 029,
  • Telangana
  • In case customer’s issue remains unsolved, customer can approach the Insurance Ombudsman
  • for redressal. Find your nearest Ombudsman office- ecoi.co.in/

Theft Damages

  • Claim form duly filled and signed by the insured
  • Details of lost item covered under the policy
  • Purchase Invoice of the lost item
  • Brief narration about the incidence occurred
  • First Information Report – FIR
  • Final Police Report
  • Indemnity Bond (if required)
  • NEFT Documents
  • KYC Documents if amount is more than 1 Lakh
  • Consent

Burglary Damages

  • Claim form duly filled and signed by the insured
  • FIR/Police Panchnama
  • Final Police Report
  • Indemnity Bond (if required)
  • Purchase Invoice of the lost items
  • NEFT Documents
  • KYC Documents if amount is more than 1 Lakh
  • Paper cutting etc. if any
  • Insured's consent/confirmation
  • NEFT Documents
  • KYC Documents if amount is more than 1 Lakh
  • Discharge voucher

Other Damages

  • Claim form duly filled and signed by the insured
  • Brief narration about the loss
  • Purchase Invoice of damaged Item
  • Estimate of repair
  • Service report from repairer
  • Repair bill
  • Payment Receipt
  • NEFT Documents
  • KYC Documents if amount is more than 1 Lakh
  • Consent
  • Step 1- Contact the company on – 080-49123900
  • Email – claims@bharti-axagi.co.in
  • Step 2 – Submit the relevant documents to the company
  • Step 3 – The claims will be scrutinized and processed by the company.

Grievance Redressal

Step 1

Step 2

  • If you are not still satisfied with the resolution & timelines (After 5 days of initimating of your complaint):
  • You may contact company’s National Grievance Redressal Officer at:
  • Write to -
  • Bharti AXA General Insurance, Spectrum Towers, 3rd floor,Malad Link Road, Malad (west), Mumbai- 400064
  • Call at 022-48815939
  • Email - NGRO@bhartiaxa.com

Step 3

  • If you are not still satisfied with the resolution & timelines (After 5 days of approaching National Grievance Redressal Officer):
  • You may contact company’s Chief Grievance Redressal Officer at:
  • Email - CGRO@bhartiaxa.com
  • Name of insured
  • Policy number
  • Contact details.
  • Date & time of loss,
  • Location of losse
  • Nature & extent of loss
  • Locate HDFC Ergo’s network garages on www.hdfcergo.com or call toll free no 1800-2-700-700 for details
  • Drive or have your vehicle towed to the nearest network garage.
  • All damages / losses will be surveyed and assessed by company’s surveyor.
  • Fill in the claim form and provide the related documents as mentioned in the form.
  • You will be updated through SMS/Emails on every stage of the claim.
  • Once the vehicle is ready, pay your share of the claim consisting of Compulsory deductible, depreciation etc. to the garage and drive off. The balance would be settled by company directly with the network garage
  • Receive the claims computation sheet with entire break up for your ready records.

Grievance Redressal

  • Customer Service no: 022 - 6234 6234 / 0120 - 62346234
  • For lodging a complaint online, email to customer service desk at- care@hdfcergo.com

Escalation Level 1

Escalation Level 2

  • In case, you are not satisfied with the decision/resolution of the above office, or have not received any response within 15 days, you may write to: cgo@hdfcergo.com

Escalation Level 3

  • If after following Escalation Level 1 and 2 as stated above your issue remains unresolved, you may approach the Insurance Ombudsman for Redressal.

Contact Details of Insurance Ombudsman – https://customersupport.hdfcergo.com/grievance/insurance_ombudsman_centers.html

  • Locate HDFC Ergo’s network garages on www.hdfcergo.com or call toll free no 1800-2-700-700 for details
  • Drive or have your vehicle towed to the nearest network garage.
  • All damages / losses will be surveyed and assessed by company’s surveyor.
  • Fill in the claim form and provide the related documents as mentioned in the form.
  • You will be updated through SMS/Emails on every stage of the claim.
  • Once the vehicle is ready, pay your share of the claim consisting of Compulsory deductible, depreciation etc. to the garage and drive off. The balance would be settled by company directly with the network garage
  • Receive the claims computation sheet with entire break up for your ready records.
  • Step 1 – Intimate the claim at 1800 3009
  • Step 2- Surveyor to be assigned within 2 working days
  • Step 3 – Surveyor to submit final assessment report & claim form
  • Step 4 – Claim amount can be received through NEFT

Grievance Redressal

Step 1

Step 2

Step 3

Step 4

  • If after having followed Step 1, 2 and 3 your issue remains unresolved, you may approach the Insurance Ombudsman for redressal.
  • Click here to get details on Insurance Ombudsman Offices​ - http://ecoi.co.in/ombudsman.html
  • Claim Form with complete details
  • Purchase Invoice of the affected subject matter
  • Estimates of repairs/replacements
  • Replacement invoice &payment proof
  • First Information Report & Final Investigation Report from Police Authorities (if applicable)
  • Fire Brigade Report (if applicable)
  • Service Report (for electronic & mechanical breakdown claims)
  • Other supporting documents as per surveyor’s requirement
  • Step 1- In the event of an incident that may give rise to a claim under this Policy, You must notify the Company immediately
  • Phone – 1860-425-0000 or
  • Email at - customer.services@royalsundaram.in or
  • Provide written intimation at –
  • Royal Sundaram General Insurance Co. Limited
  • Accident & Health Claims Department
  • Vishranthi Melaram Towers
  • No.2/319 , Rajiv Gandhi Salai(OMR)
  • Karapakkam,Chennai – 600097
  • The written intimation shall be furnished within 14 days to the Company and detailed particulars of the amount of the loss or damage together with such explanation and evidence to substantiate the claim as the Company may reasonably require.
  • Step 2 - Lodge a complaint with the Police forthwith in the event of theft and Burglary and take all practicable steps to apprehend the guilty person or persons and to recover the property lost.
  • Step 3 -Wherever necessary company will appoint Surveyors/Investigators

Grievance Redressal

If you are not satisfied with company’s service and require a better resolution to your problem, please raise a complaint at –

Fire Claim

  • Duly completed Claim form
  • First Information Report
  • Paper cuttings or media reporting of the incident
  • Fire Brigade Report (in case of Loss, destruction or damage by Fire)
  • Meteorological report (in case of Loss, destruction or damage by Flood, Storm, Cyclone)
  • Title deed establishing the ownership of the property (for Building cover)
  • Layout plan of the building / affected area (for Building cover)
  • Details of firefighting arrangements
  • Estimate for Repairs/ Replacement together with basis of arrival of the same
  • Invoice/Bills/ Receipts
  • Photographs

Burglary Claim

  • Duly completed Claim form
  • Statement of loss confirming the items stolen
  • First Information Report filed with Police showing item identifications like description of items, date of incident and estimate of loss
  • Loss estimate and Basis of arriving at the loss estimate
  • Invoice/Bills in original
  • Final Police Report
  • Non-traceable Certificate issued by Police authorities
  • Newspaper cutting if any reporting the incident
  • Letter of indemnity

Rent for alternate accommodation

  • Claim form duly filled
  • Proof of occupancy at the alternate accommodation indicating duration of such accommodation
  • Proof of rent paid for temporary accommodation

Loss of rent

  • Claim form duly filled
  • Rental agreement signed with the tenant
  • Statement from tenant confirming non-payment of rent due to uninhabitable state of the premises

Other Documents

  • KYC documents (address proof and ID proof for all claims exceeding INR 1,00,000
  • Cancelled cheque leaf of SB account in the policy holder’s name for effecting NEFT settlement
  • Any other documents as required by the Insurer depending on the nature and type of the claim preferred
  • Step 1 – Notify the company on their helpline number – 1800-2-700-700
  • Step 2 – Submit the relevant documents for processing your claim
  • Step 3 – Based on your documentation company will notify you if any further proofs are required
  • Step 4 – Your claim will be processed

Grievance Redressal

  • Customer Service no: 022 - 6234 6234 / 0120 - 62346234
  • For lodging a complaint online, email us to our customer service desk at  care@hdfcergo.com

Escalation Level 1

Escalation Level 2

  • In case, you are not satisfied with the decision/resolution of the above office, or have not received any response within 15 days, you may write to: cgo@hdfcergo.com

Escalation Level 3

  • Duly filled and signed Claim Form
  • Death Certificate from Municipal Corporation
  • FIR or MLC Copy
  • Post Mortem Report or Cause of death certificate from treating doctor
  • NEFT details for payment: Cancelled cheque in the name of nominee or bank statement/1st page of passbook copy attested by bank
  • Last Income tax return (ITR)
  • For all claims amounting 1 lakh and above: KYC form along with photocopy of any one KYC document of nominee - Aadhar card, Passport, Driving license, Voter ID, etc.
  • Blood analysis report or Histopathology or Chemical viscera (If done)
  • Step 1 – Intimate the Accidental Claim at Customer Care Number – 1800-103-8889
  • Step 2 – Submit the required claim documents as per the checklist of Death/PTD/PPD/TTD claims
  • Step 3 – Claim Scrutiny by the company
  • Step 4 – Company makes payment to insured through NEFT

Grievance Redressal

  • If you have a complaint or grievance you may reach through the following avenues:
  • Contact No. – 1800-220-233/1860-500-3333/022-67837800
  • Email – fgcare@futuregenerali.in
  • Walk-in to any of company’s branches and request to meet the Grievance Redressal Officer (GRO) https://general.futuregenerali.in/branch-locator
  • You may also register your complaint through the IRDA –
  • Call Center – 155255 ( Toll Free Number)
  • Register online at - http://igms.irda.gov.in/
  • If you are still not satisfied with the resolution kindly write to the Grievance Redressal Cell at their Head Office –
  • Grievance Redressal Cell
  • Mr. Hari Shankar Mishra
  • Grievance Redressal Officer
  • Future Generali India Insurance Co Ltd.,
  • Indiabulls Finance Centre,
  • Tower 3, 6th Floor, Senapati Bapat Marg,
  • Elphinstone (W), Mumbai - 400 013.
  • If you are still dissatisfied with the resolution provided, you may opt to approach the office of Insurance Ombudsman, provided the same is under their purview. The guidelines for taking up a complaint with the Insurance Ombudsman, along with their addresses are available on the consumer education website of the IRDA which is - www.policyholder.gov.in/Ombudsman.aspx

Death Claims

  • Claim Form
  • Attending Doctors Report
  • Original Death Certificate
  • Original / attested Post Mortem / Coroners Report
  • Attested copy of FIR / Panchnama
  • Police Inquest report, where applicable

Dismemberment / Disablement Claims

  • Claim Form
  • Attending Doctors Report
  • Original Disability Certificate from the Doctor, if any
  • Investigation / Lab Reports (X-Rays reports with films & other reports etc.)
  • Original Admission / Discharge Card, if hospitalized
  • Police Inquest report, where applicable
  • In case of PTD claims – Disability Certificate from Govt. Registered Medical Practioners.

Step 1 - Request a Claim Form

  • To request for a claim form, call at 1860-425-0000. You can also send an email to customer.services@royalsundaram.in at the earliest, and not later than 30 days after the accident. Please quote the Policy Number for company’s reference. Company will mail you the Claim Form within 2 working days or you can download the claim form from company’s website.
  • You can also notify your claim online. Once you notify the claim, company’s claims team will contact you to explain the procedure.
  • Email at - customer.services@royalsundaram.in or

Step 2 - Submitting the claim form

  • Please ensure that the documents are provided in English or provide the company with an English translation of the same. If required, company may appoint a Service Provider to verify the documents for a more efficient claim process.
  • You can mail the Claim Form and requisite documents to -
  • Royal Sundaram General Insurance Co. Limited
  • Accident & Health Claims Department
  • Vishranthi Melaram Towers
  • No.2/319, Rajiv Gandhi Salai (OMR)
  • Karapakkam, Chennai - 600097

Step 3

  • If your claim is admissible, company will mail you a cheque. If for any reason, company is unable to clear your claim for reimbursement, they will send you a detailed repudiation letter.

Grievance Redressal

If you are not satisfied with company’s service and require a better resolution to your problem, please raise a complaint at –

Death

  • Original Death Certificate
  • Post Mortem Report
  • Inquest report
  • Accident report
  • FIR/MLC copy
  • Hospital records
  • News Paper cuttings if any and any other relevant records
  • Chemical Analysis Report
  • Latest IT return to show Proof of annual income
  • Succession Order/legal heir certificate/legal documents to establish identification of legal heir in the absence of nomination under the policy
  • Any other document as may be required by the Company Accident Hospitalisation
  • Claim Discharge summary
  • Original Hospital Bills
  • Advance and final receipts (All receipts shall be numbered,signed and stamped),
  • Prescriptions for medicines Diagnostic, Test Reports, X Ray, Scan, ECG and other films (including doctor’s advice demanding such tests)
  • Cash memos/bills for medicines purchased from outside
  • Education Grant School Identity Card or Certificate from the educational institution and Age-proof of the child in respect of whom this benefit is claimed

Permanent Total or Partial Disablement –

  • Duly filled in Claim form
  • Disability Certificate issued by attending physician
  • Accident report FIR/MLC copy
  • Hospital Records
  • News Paper cuttings if any and any other relevant records English Translation of vernacular documents Latest IT return to show Proof of annual income
  • Any other document as may be required by the Company,
  • Temporary Total Disablement
  • Duly filled in Claim form
  • Disability Certificate issued by attending physician
  • Accident report FIR/MLC copy
  • Hospital Records
  • News Paper cuttings if any and any other relevant records English Translation of vernacular documents Latest IT return to show Proof of annual income
  • Any other document as may be required by the Company,
  • Leave Certificate issued by employer
  • Salary Certificate - If required Royal Sundaram’s Medical Panel may examine the insured person to assess the disability

Step 1 –

  • Intimate ABLSI regarding your claim settlement via the following ways –
  • a) Online
  • b) Email – claims.lifeinsurance@adityabirlacapital.com
  • c) Visit claims department/Branch office. You can locate the branch office from the following link - https://lifeinsurance.adityabirlacapital.com/Pages/Unsecure/LI/INDV/Home/Locator.aspx
  • d) Call Toll Free - 1800-270-7000
  • e) Intimate the Claims Dept with the claim documents at below mentioned address:
    Claims Dept,
    Aditya Birla Sun Life Insurance Company Limited
    G Corp Tech Park,
    5th & 6th Floor,
    Kasar Wadavali, Ghodbunder Road,
    Thane - 400 601.

Step 2-

  • Once all the mandatory documents are received the claims team scrutinizes each claim documents in detail. In case of any pending documents requirement is communicated.

Step 3-

  • IF the claim is accepted the payment is made to the beneficiary or If it is rejected communication providing reason is sent to beneficiary.

Link to claims section on Aditya Birla’s site - https://lifeinsurance.adityabirlacapital.com/customer-service/claim-procedure/online-claim.aspx

Grievance Redressal Mechanism

  • Step 1- If you have a grievance, please register your complaint on the following link - https://lifeinsurance.adityabirlacapital.com/Pages/Individual/Customer-Service/ Complaint-Redressal.aspx .You will receive a response within 10 days from the date of receiving your communication.
  • Step 2- If the resolution you receive does not meet your expectations, please write to ABSLI Grievance Redressal Officer. The company will respond to you within 10 days from the date of receiving your communication.
  • Step 3 - If you are still dissatisfied with the resolution you receive, please write to ABSLI Chief Grievance Redressal Officer. ABSLI will respond to you within 10 days from the date of receiving your communication.
  • Step 4 - If you are still dissatisfied with the resolution you receive, please write to ABSLI Grievance Redressal Committee. ABSLI will respond to you within 10 days from the date of receiving your communication.
  • You can also submit your grievance by writing to ABSLI at:
  • Aditya Birla Sun Life insurance,
  • Grievance Redressal Department,
  • G-Corp Tech Park, 6th Floor,l
  • Kasar Wadavali, Ghodbunder Road,
  • Thane - 400601
  • If after having followed steps 1, 2 , 3 & 4 your complaint remains unresolved, you may approach the Insurance Ombudsman ( https://lifeinsurance.adityabirlacapital.com/Pages/Individual/List-of-Ombudsman.aspx ) located in your region.

Natural Death

  • Copy of Death Certificate issued by Municipal Authority / Gram Panchayat
  • Claimant's Statement along with KYC - ID Proof / Relationship Proof
  • Original Policy Document / Indemnity Bond (In case Original Policy document is lost)
  • Cancelled Cheque with NEFT details
  • Medical Attendant Certificate
  • Employer's Certificate - In case Life Assured is Employed

Unnatural Death

  • Copy of Death Certificate issued by Municipal Authority / Gram Panchayat
  • Claimant's Statement along with KYC - ID Proof / Relationship Proof
  • Original Policy Document / Indemnity Bond (In case Original Policy document is lost)
  • Cancelled Cheque with NEFT details
  • Medical Attendant Certificate
  • Employer's Certificate - In case Life Assured is Employed
  • First Information Report
  • Post Mortem Report

Waiver of Premium Death

  • Copy of Death Certificate issued by Municipal Authority / Gram Panchayat
  • Claimant's Statement along with KYC - ID Proof / Relationship Proof
  • Original Policy Document / Indemnity Bond (In case Original Policy document is lost)
  • Cancelled Cheque with NEFT details
  • Medical Attendant Certificate
  • Employer's Certificate - In case Life Assured is Employed
  • Proposed Policyowner Form
  • Deed of Relinquishment to be executed on Rs. 200/- stamp paper duly notarized

Accidental Dismemberment

  • Claimant's Statement for Accidental Dismemberment Rider along with KYC - ID Proof Relationship Proof
  • Accidental Dismemberment Questionnaire to be Completed by Doctor
  • Original Policy Document / Indemnity Bond (In case Original Policy document is lost)
  • Medical Reports
  • Cancelled Cheque with NEFT details

Accidental Disability

  • Claimant's Statement for Disability Claim along with KYC - ID Proof
  • Medical Certificate for Disability
  • Continuous Disability Statement
  • Original Policy Document / Indemnity Bond (In case Original Policy document is lost)
  • Medical Reports
  • Police Report
  • Cancelled Cheque with NEFT details

Step 1

  • Call Aegon Life’s toll-free Customer Service Helpline number 1800-209-9090
  • Visit their nearest branch and submit a death notice with a copy of the death certificate. It can be located on the following link - https://www.aegonlife.com/locate-branch
  • Online intimation at www.aegonlife.com
  • Claim documents can be directly emailed to claims@aegonlife.com
  • Send a written death notice with a copy of the death certificate to:
  • Claims Department, AEGON Life Insurance Company Limited.
    Building No. 3,Third Floor, Unit No. 1,
    Nesco IT Park, Western Express Highway,
    Goregaon (East), Mumbai - 400063.

Step 2

  • Aegon Life will payout the fund value accrued under the policy to the beneficiaries as on the date of intimation of death (I.e. upon submission of all the documents mentioned in the requirement list as per the type of claim)

Step 3

  • Upon receipt of the complete set of documents (as mentioned in the requirement list), Aegon Life will commence the claims process immediately. In case of any clarifications / further requirements, they will get in touch with you. Upon verification of the documents, if all the documents as per the requirements are received and are found to be in order, they will release the balance/ complete death/ rider benefit amount to you/ beneficiary subject to all other terms and conditions of the contract being fulfilled.

Link to claims section on Aegon Life Website - https://www.aegonlife.com/customer-service/claims

Grievance Redressal

  • Customer can call on 1800 209 9090 from 9.00 am to 7.00 pm,
  • Letters: Customers can write at the branch or the Head Office. The branch addresses are available on company website -  https://www.aegonlife.com/locate-branch
  • Send a letter to the below address:
    Kind Attention: Grievance Redressal Officer
    Aegon Life Insurance Company Limited
    Building No.3, Third Floor,
    Unit No.1, NESCO IT Park
    Western Express Highway, Goregaon (E)
    Mumbai – 400063.
  • Website: The customer can register his complaint via the complaints form available on website link - www.aegonlife.com
  • Email: Customer can write to customer.care@aegonlife.com
  • IGMS: Integrated Grievance Management System of IRDAI
  • Social Media (Facebook, Twitter, Mouthshut.com)
  • Complaint from the Public Grievance Portal or National Consumer helpline

Escalation Matrix:-

  • i. In case customer is not satisfied with the decision or have not received any response within 2
  • weeks, he may escalate the complaint to grievance.manager@aegonlife.com
  • ii. If customer fails to get response within 2 weeks or is not satisfied with response provided with
  • regards to the complaint, he can escalate the matter to coo.desk@aegonlife.com
  • iii. If customer is still dissatisfied with the resolution he receives from COO’s Desk within 4 days, he
  • may write to gro@aegonlife.com COO (Chief Operating Officer) shall be the GRO (Grievance
  • Redressal Officer) of the company
  • iv. Insurance Ombudsman

Mandatory Documents for all type of claims

  • Death certificate (original or self-attested copy) issued by municipal corporation under section 12/17
  • One passport size color photo of the claimant
  • Passbook copy and Cancelled cheque stating the claimant's (Nominee) or life assured account number (as applicable)
  • ID and residential proof of the claimant.
  • Relationship proof (wherever applicable)

1. Death Claim

  • Claimant Statements - Death Claim
  • ALIC Attendant physician statement for death claim
  • ALIC Hospital treatment statement for death claim

# If Accidental Death Claim / Suicide Death Claim

  • Post mortem report - duly filled
  • Police inquest report
  • Panchanama / First Investigation Report
  • Copy of Driving License of the Insured (if died due to road accident)

2.Accidental Disability / Dismemberment Claim

  • Post mortem report - duly filled
  • ALIC Disability / Dismemberment Claim Application Form
  • ALIC Attending Physician Statement
  • ALIC Hospital Treatment Certificate
  • Police Inquest Report
  • Panchanama
  • First Investigation Report
  • Copy of Driving License of the Insured (if died due to road accident)
  • In the unfortunate event of a critical illness, hospitalization, disability or death, please contact Customer Services Helpline at 1800-103-7766 or
  • Write to AVIVA LIFE at:
  • Claims Department
    Aviva Life Insurance Company India Ltd.
    Aviva Tower, Sector 43,
    Opposite DLF Golf Course, Gurgaon - 122 003
  • The claimant can also inform AVIVA LIFE about a death claim on their website by clicking below
  • https://intranetapplications.avivaindia.com/eservicing/logindc.aspx?
  • Write to AVIVA LIFE at customerserivces@avivaindia.com
  • The customers and claimants can also approach their Branch offices. Their Branch office personals are well versed with the claim process and documentation.
  • https://www.avivaindia.com/contact-us

Step 1: Complete the claim form

  • Complete the appropriate form depending upon which claim is to be made. Different forms are to be filled for claims against riders, death, hospital cash benefit, group term insurance and gratuity. All details with respect to client id, policy number, policy holder name, etc. should be duly filled.

Step 2: Arrange for appropriate documents

  • Based on the claims made, appropriate documents need to be provided. Documents can be submitted in original or photocopies, attested by a Gazetted officer, Magistrate, Tahsildar or police Sub-inspector.

Step 3: Hospitalisation and Surgical Rider Benefit Claim

  • In case of Hospitalisation and Surgical Rider Benefit claim, produce all medical bills and medical report issued by the attending physician qualified under law to issue such a report.

Step 4: Submit required documents along with the claim form

Grievance Redressal

  • Email – customerservice@avivaindia.com
    Call – 1800-180-2266/ 0124-2709046
    Write to the company at –
    Aviva Life Insurance Company India Ltd. ,
    Aviva Tower, Sector Road
    Opp.Golf Course,DLF-Phase V,
    Sector-43,Gurgaon -122003
  • Visit nearest branch which can be located at - www.avivaindia.com/contact-us

Escalation:-

  • If you are not satisfied with the response that you receive from the access channels above or if you do not hear from company within 7 working days, you can escalate your complaint through:
  • (a) An E-mail to complaints@avivaindia.com explaining the details of the concerned issue. You will receive a response within 3 working days of the receipt of your complaint
  • (b) You can call the company on the toll-free numbers 1800-180-2266 (BSNUMTNL lines) or 0124-2709046 (Non BSNUMTNL lines).
  • (c) If you are not satisfied with the response that you receive or if you do not hear from the company within 10 working days of having registered your complaint, please contact - Complaint Redressal Officer (CRO).The CRO for Aviva Life Insurance will examine your issues and provide on impartial resolution and can be reached at:
    Complaint Redressal Officer (CRO)
    Aviva life Insurance Company India Ltd., Aviva Tower, Sector Road, Opp.Golf Course
    DLF-Phase V, Sector-43, Gurgaon -122003,
    Email: cro@avivaindia.com
  • (d) If you are not satisfied with the response that you receive contact Insurance Ombudsman – http://ecoi.co.in/ombudsman.html

1. Death Claim

  • Original Policy Document
  • Completely filled & Countersigned Claim Form
  • Nominee ID proof establishing relationship with life insured
  • Copy of death certificate issued by local authority
  • Address Proof of the Nominee
  • Medical Records (admission notes, discharge summary, test reports etc)
  • Last Medical Attendance Report (LMA)
  • Post Mortem Report ,if post mortem done
  • FIR / Police Report if case filed with Police
  • Panchnama / Inquest Report if case filed with Police
  • Saving Bank Account Number
  • Newspaper Cuttings
  • Contact number of Claimant
  • Existence Certificate
  • PAN card of payee

2. Hospital Cash Benefit

  • Original Policy Document
  • Completely filled & Countersigned Claim Form
  • Nominee ID proof establishing relationship with life insured
  • Medical Records (admission notes, discharge summary, test reports etc)
  • FIR / Police Report if case filed with Police
  • Panchnama / Inquest Report if case filed with Police
  • Saving Bank Account Number
  • Contact number of Claimant
  • PAN card of payee

3. Accidental Death/Permanent Total Disability Claim

  • Original Policy Document
  • Completely filled & Countersigned Claim Form
  • Nominee ID proof establishing relationship with life insured
  • Address Proof of the Nominee
  • Medical Records (admission notes, discharge summary, test reports etc)
  • Last Medical Attendance Report (LMA)
  • Post Mortem Report ,if post mortem done
  • FIR / Police Report if case filed with Police
  • Panchnama / Inquest Report if case filed with Police
  • Saving Bank Account Number
  • Newspaper Cuttings
  • Contact number of Claimant
  • PAN card of payee

* Only if death has occurred

4. Survival Benefit

  • Completely filled & Countersigned Claim Form
  • Saving Bank Account Number
  • Contact number of Claimant
  • PAN card of payee

5. Maturity Benefit

  • Original Policy Document
  • Completely filled & Countersigned Claim Form
  • Nominee ID proof establishing relationship with life insured
  • Saving Bank Account Number
  • Contact number of Claimant
  • PAN card of payee

6. Annuity

  • Savings Bank Account Number
  • Contact Number of claimant
  • Existence certificate
  • PAN card of payee

Step1 -

  • Or Email – customercare@bajajallianz.co.in
  • Or Write to them at –
  • Bajaj Allianz Life Insurance Company Ltd.
  • BAJAJ ALLIANZ HOUSE, AIRPORT ROAD, YERAWADA, PUNE, MAHARASHTRA, 411 006.
  • Call – BSNL: 1800-233-7272 | TATA: 1800-209-7272 | BHARTI: 1800-103-7272

Step 2

  • Claim is registered under acknowledgement and the claimant will be provided with a set of other claims documents required for processing the claim

Step 3

  • Requirements will be communicated, and a dedicated team follows up, assists the claimants

Step 4

  • Once all the documents from the claimants are received and after necessary assessments, all genuine claims will be settled for payments

Step 5

  • Claim decision will be informed to claimant by SMS and a detailed letter will be sent to the claimant’s address

Link to claims section on Bajaj Life Website https://www.bajajallianzlife.com/claim-assistance.jsp

Grievance Redressal Mechanism

https://www.bajajallianzlife.com/pdf/customer-services/grievance-redressal-mechanism.pdf Kindly follow the above link if you have any concern regarding claims.

1. Natural Death

  • Intimation Letter from the nominee.
  • Original Death Certificate issued by Births and Death Registrar.
  • ID proof & Address proof of nominee (original required for verification at Bajaj Branch Office)
  • Original Policy Bond.
  • Claimant can submit either of the Bank A/c Details as mentioned below -
  • Cancelled cheque (Name of the claimant should be printed on the cheque leaf)
  • ECS/EPM (Electronic clearing system/Electronic Payment Mandate) (Should be signed and attested by the Bank Manager)
  • Bank pass Book Copy of nominee (Name of the claimant should be printed on the bank passbook)

Note

  • If any nominee submits a Bank Pass book of a Grameen Bank even if it has IFSC code of a nationalized bank, please submit an alternate Bank Passbook Copy other than a Grameen Bank. A/c should be NEFT enabled.
  • If a Bank Pass book copy which has an A/c limit, please submit an alternate Bank pass book or increase the Limit based on the Sum Assured mentioned in your policy bond.

2. Unnatural Death

  • Intimation Letter from the nominee.
  • Original Death Certificate issued by Births and Death Registrar.
  • ID proof & Address proof of nominee (original required for verification at Bajaj Branch Office)
  • Original Policy Bond.
  • Claimant can submit either of the Bank A/c Details as mentioned below -
  • Cancelled cheque (Name of the claimant should be printed on the cheque leaf)
  • ECS/EPM (Electronic clearing system/Electronic Payment Mandate) (Should be signed and attested by the Bank Manager)
  • Bank pass Book Copy of nominee (Name of the claimant should be printed on the bank passbook)
  • First Information Report (FIR)
  • Post-Mortem report (PMR)
  • Viscera/Chemical Analysis report
  • Police Final report /Inquest report
  • Judicial Magistrate Final Verdict on Police Final Report (in case opinion on cause of Death is mentioned as pending in the PMR.
  • News Paper Cutting which mentions the incident.

3. Rider Claim

  • Intimation Letter from the Life Assured.
  • Discharge Summary/Hospital Bills /Case Sheets (Diagnosis)
  • Pan Card
  • ID proof & Address proof of Life Assured (original required for verification at Bajaj Branch Office)
  • Cancelled cheque/ NEFT form / Bank pass Book Copy. IFSC code mandatory same is a NEFT payout (Please refer to details in Part I)
  • Photograph of Life Assured incase of a Partial /Total Permanent Disability Claim.
  • First Information Report (FIR) to be submitted in case of Partial /Total Permanent Disability Claim caused due to accident.

4. Maturity Claim

  • Photo ID proof & Address Proof of policyholder - (Self Attested Copy)
  • PAN Card
  • Bank Documents for NEFT - Copy of cancelled cheque of policy holder (where name and IFSC Code is printed) or copy of Printed Bank Passbook.
  • Foreign Account Tax Compliance Act (FATCA) Form (In case of NRI policies)
  • Annuity Form (In case of Pension Products)

Step 1 -

Step 2-Document Submission & verification

Step 3

  • If any further documents are required the company will inform you. Regular updates will be sent through letters, SMS and emails.

Step 4

  • The company targets to process the claim in 5 working days. However, if the claim requires an investigation, the regulator gives insurer up to 6 months to make a decision.

Link to claims section on the website - https://www.bharti-axalife.com/claims/know-your-claims

Grievance Redressal

In case you have any grievance, you may approach company’s Grievance Redressal Cell at any of the below-mentioned helplines:

  • 1. Lodge your complaint online
  • 2. Call at toll free no. 1800 102 4444
  • 3. Email at complaints.unit@bharti-axalife.com
  • 4. Write to the company at:

Registered office -

  • Bharti AXA Life Insurance Company Limited Unit No. 1904, 19th Floor, Parinee Crescenzo,'G' Block, Bandra Kurla Complex, BKC Road, Near MCA Club, Bandra East, Mumbai-400051.

Grievance Redressal Cell –

  • Bharti AXA Life Insurance Company Limited Spectrum Towers, 3rd Floor, Malad link road, Malad (west), Mumbai–400064.
  • 5. Visit nearest branch and meet Grievance Officer who will assist you to redress your grievance/ lodge your complaint.
  • 6. You may call Grievance Redressal Officer on 1800 102 4444 to register your grievance.

If you are still not satisfied

  • In case you are not satisfied with the decision provided or if you have not received any response post completion of 14 days, you may write to Head - Customer Service for resolution at the above mentioned address or email at: head.customerservice@bharti-axalife.com

If you are still not satisfied

a) Group Death Claim

Following are the list of documents that we will require to process a Death Claim

  • Death Claim Form dully filled and signed by Master Policy Holder and Nominee.
  • Copy of Death Certificate duly attested by Master Policy Holder
  • Certificate of Insurance
  • Personalized cancelled cheque of the Nominee

Additional Documents if death is due to accident/suicide/murder:

  • Copy of FIR
  • Copy of Post Mortem Report

Additional Documents for non-accidental death:

  • Copy of Medico Legal Cause of Death certificate
  • Copy of Medical Records (Discharge / Death Summary, Admission notes, Test Reports including past medical records
  • Treating Doctor's Certificate (open link to download)

b) Death Claim

Following are the list of documents that we will require to process a Death Claim Mandatory Documents for all claims:

  • Original Policy Bond
  • Claimant's Statement Form
  • Copy of self-attested Death Certificate issued by local Authority
  • Copy of Photo identity proof & Residence address proof of the nominee
  • Copy of Bank passbook of the nominee & personalized cancelled cheque

Additional Documents if death is due to accident/suicide/murder:

  • Copy of FIR
  • Copy of Post Mortem Report

Additional Documents for non-accidental death:

  • Copy of Medico Legal Cause of Death certificate
  • Copy of Medical Records (Discharge / Death Summary, Admission notes, Test Reports including past medical records
  • Treating Doctor's Certificate (open link to download))
  • Employer Certificate (open link to download)

c) Waiver of Premium and Health Rider Claim

Following are the list of documents we will require to process a claim under Critical Illness Rider, Triple Health Plan and Premium Waiver Benefit Rider.

  • Original Policy Document
  • Claimant's Statement
  • Bank passbook of the claimant and cancelled cheque
  • Copy of medical records (Admission notes, discharge summary, test reports including past medical records)
  • Treating Doctor's Certificate(open link to download))
  • Employer Certificate (open link to download)

d) Hospitalisation Claim

Following are the list of documents we will require to process a Hospitalisation Claim:

  • Copy of Policy Certificate
  • Claimant's Statement Form
  • Copy of medical records (Final Hospital Bill, Admission notes, discharge summary, test reports including past medical records)
  • Treating Doctor's Certificate (open link to download)

Step 1

  • The nominee/ claimant can intimate about the claim by filling the Death Claim Form and sending it to Canara HSBC OBC at their head office /nearest bank branch/our offices along with a duly attested photo ID and address proof of the claimant.
  • Write to them at –
    Canara HSBC OBC Life Insurance
    Company Ltd,
    2nd Floor, Orchid Business Park, Sector - 48, Sohna Road,
    Gurugram - 122018, Haryana,
    India.

Step 2

  • Once Canara HSBC OBC receives the duly filled Death Claim Form, they register your claim. And will make payment for an amount equal to the Fund Value (subject to the terms and conditions)

Step 3

  • Once your claim is registered, insurance company will transfer the Fund Value amount and will send you the claims pack along with the related forms that needs to be filled

Step 4

  • You can submit or courier these documents to the company at their head office or send it to any of their offices or the respective bank branch.

Step 5

  • Company starts the processing of claim once they receive the forms along with the relevant documents. In case of any clarifications / further requirements, company will get in touch with you.

Step 6

  • Upon verification of the documents, if all the documents are as per the requirements, company will release the balance amount to you (Subject to terms and conditions).

Link to claims section on Website – www.canarahsbclife.com/lifeinsurance/portal/canh/home/claims/get-claim-assistance

Grievance Redressal

In case you wish to register a complaint with the company, you may visit their website, approach their Resolution Centre, Grievance Officers at Hub locations, or write to them at the following address:

  • Complaint Redressal Unit
  • Canara HSBC Oriental Bank of Commerce Life Insurance Co. Ltd. (IRDAI Regn. No. 136)
  • 2nd Floor, Orchid Business Park,
  • Sector-48, Sohna Road,
  • Gurugram 122018, Haryana, India

If calling from India

  • Monday to Friday - 8:00 AM to 8:00 PM IST
  • Saturday - 9:00 AM to 6:00 PM IST
  • Toll Free: 1800-103-0003/1800-180-0003 (MTNL/BSNL)

If calling from Abroad

  • Monday to Friday - 8:00 AM to 8:00 PM IST
  • Saturday - 9:00 AM to 6:00 PM IST
  • Contact number: +91-124-4315200
  • Or Email at cru@canarahsbclife.in
  • Company shall respond to you within 15 days from the date of receiving your complaint. Kindly note that in case company does not receive revert from you within eight weeks from the date of your receipt of response they will treat your complaint as closed.
  • In case you are not satisfied with the decision of the above officer, or have not received any response, you may contact the following official for resolution:
  • The Grievance Redressal Officer
  • Canara HSBC Oriental Bank of Commerce Life Insurance Co. Ltd. (IRDAI Regn. No. 136)
    2nd Floor, Orchid Business Park,
    Sector-48, Sohna Road,
    Gurugram 122018, Haryana, India
  • Email at - gro@canarahsbclife.in
  • In case you are not satisfied with the decision/resolution provided by the Company, you may approach the Insurance Ombudsman of your respective State for redressal of your grievance. For more details kindly refer to company’s website or the GBIC website at - http://www.gbic.co.in/ombudsman.html for the list of Ombudsman.

1. Natural Death

  • Original policy document
  • Death Certificate issued by Municipal authorities
  • Copy of Bank Pass Book/ Cancel Cheque
  • Hospital / Other treatment records
  • Photo Identification & address proof of the claimant
  • Post-mortem & chemical viscera report (if performed)
  • Physician's Statement.

2. Unnatural / accidental deaths

  • Original policy document
  • Death Certificate issued by Municipal authorities
  • Copy of Bank Pass Book/ Cancel Cheque
  • Hospital / Other treatment records
  • Photo Identification & address proof of the claimant
  • Post-mortem & chemical viscera report (if performed)
  • Physician's Statement.
  • Police reports (FIR, Panchnama, Police investigation report)
  • Newspaper cutting (if any)(Detailing the incident)

Step 1 – Intimate the company about the claims through –

  • Visit their nearest branch which can be located at the following link – www.dhflpramerica.com/locateus
  • Upon intimation, the company will send out an acknowledgement letter along with other details within 3 working days.

Step 2

  • Fill the claims form in legible/visible letters.

Step 3

  • Submit it along with the required documents addressed to company’s Claim helpdesk at –
  • 1. DHFL Pramerica Branches
  • 2. Claims Department, DHFL Pramerica Life Insurance,
  • 4th Floor, Building No. 9, Tower B, Cyber City, DLF City Phase 3, Gurgaon, 122002,Haryana
  • Link to claims section on DHFL Pramerica Life Website - www.dhflpramerica.com/Claims/Claim

Step 4

  • Claims processing will start as soon as the company receives the Claim form and documents. Company’s representative may get in touch with you for further information. Claims decision will be communicated to you within 30 days’ of receipt of complete documentation.

Grievance Redressal

If the response received from the Company is not satisfactory or no response is received within two weeks (Business Days) of contacting the Company, the matter may be escalated to:

  • a.) Email: customerfirst@dhflpramerica.com
  • b.) Head Grievance Redressal Officer
  • DHFL Pramerica Life Insurance Company Ltd.,
  • 4th Floor, Building No. 9 B, Cyber City,
  • DLF City Phase III, Gurgaon – 122002
  • If after contacting the Company, the Policyholders query or concern is not resolved satisfactorily or within timelines the Grievance Redressal Cell of the IRDAI may be contacted.
  • a.) Call Center Toll Free Number – 155255
  • b.) Email Id: complaints@irda.gov.in
  • c.) Complaints against Life Insurance Companies:
  • Insurance Regulatory and Development Authority of India
    Consumer Affairs Department
    Sy. No. 115/1, Financial District
    Nanakramguda, Gachibowli,Hyderabad – 500032
  • d.) In case the complaint is not addressed or a satisfactory resolution is not provided by the Insurer
  • you may escalate your complaint to the IRDAI on its online facility (Integrated Grievance Management
  • System) which helps policyholders register complaints and track their status. For this purpose,
  • you may login in to www.igms.irda.gov.in.
  • In case you are not satisfied with the decision/resolution of the Company, you may approach the Insurance Ombudsman
  • The address of the Insurance Ombudsman may be obtained from the following link on the internet Link www.irdai.gov.in/ADMINCMS/cms/NormalData_Layout.aspx?page=PageNo234&mid=7.2

Mandatory documents of Life Insured:

  • Completely filled Death Claim Form
  • Death Certificate (A)
  • Original Policy Document

Accidental Death

  • FIR (A)
  • Post-Mortem Report (A)

Mandatory documents of Nominee

  • Photo Identification Proof, Address Proof and Relationship Proof with LA (A)
  • Original Cancelled Cheque bearing name OR
  • Photocopy of Passbook or Bank Statement (Bank Attested/ OSV by DPLI Branch Operations) (not more than 3 months old)

Additional documents

Non-Accidental Death Claim

  • Last Medical Attendants Report
  • Hospital treatment records (A)
  • Admission note, Discharge/ Death Certificate summary from Hospital/Nursing Home / Clinic etc.
  • All records from date of admission till date of death
  • Hospital Authority Letter
  • Cremation Certificate

Accidental Death Claim

  • Newspaper cuttings (A)
  • Police Inquest Report / Panchnama
  • Final Police Investigation Report

For Salaried:

  • Employer Leave records for last year
  • Step 1 – Customer downloads claims intimation form from HDFC Life’s website or collects the same at HDFC Life’s branch or writes to HDFC Life
  • Step 2 – Claim intimation form/letter received by HDFC Life
  • Step 3 – HDFC Life sends a letter (with a list of documents required) to the claimant
  • Step 4 – Complete set of documents and information are sent/submitted at the nearest HDFC Life branch by the claimant
  • Step 5 – Documents are received by HDFC Life claims team and If all the documents are complete then the decision is taken on whether the claim is accepted or rejected
  • Step 6 – If the claim is accepted then cheque is dispatched or NEFT is processed or if the claim is rejected then the reasons for the same are communicated to the claimant

Grievance Redressal

The customer can contact the company on the below mentioned address in case of any complaint/ grievance:

  • Grievance Redressal Officer
  • HDFC Standard Life Insurance Company Limited 11th Floor,
  • Lodha Excelus, Apollo Mills Compound,
  • N. M. Joshi Marg, Mahalaxmi, Mumbai, Maharashtra – 400011
  • Helpline number: 18602679999 (Local charges apply)
  • E-mail: service@hdfclife.com

If you are still not satisfied with the response provided by the Claims Review Committee, you could also approach the Insurance Ombudsman in your region. For address visit - www.irdai.gov.in/ADMINCMS/cms/NormalData_Layout.aspx?page=PageNo234&mid=7.2

1. Natural Death

  • Claims Form with bank account proof
  • Death Certificate issued by the Government
  • Claimant’s Pan Card and Aadhar Card
  • Original Policy Document
  • Medical records for diagnosis and treatments
  • Doctor’s / Hospital’s certificate (Form)*
  • Employer’s certificate (Form)* if employed

2. Unnatural Death

  • Claims Form with bank account proof
  • Death Certificate issued by the Government
  • Claimant’s Pan Card and Aadhar Card
  • Original Policy Document
  • Employer’s certificate (Form)* if employed
  • Police records attested by police authorities
  • Post Mortem attested by hospital authorities

3. Natural Disasters

  • Claims Form with bank account proof
  • Death Certificate issued by the Government
  • Claimant’s Pan Card and Aadhar Card

Group Claims Documents

Natural Death

  • 1. Claim Form
  • 2. Member Information/Enrollment Form
  • 3. Death Certificate
  • 4. Nominee NEFT details
  • 5. Current & Past medical records

Accidental Death

  • 1. Claim Form
  • 2. Member Information/Enrollment Form
  • 3. Death Certificate
  • 4. Nominee NEFT detail
  • 5. Current & Past medical records
  • 6. Police Records (FIR, Panchnama etc.)
  • 7. Post mortem report from hospital

Step 1 -

  • The first step involves reporting your claims. You can report your claims online, at ICICI Prudential branches or through an SMS as per your convenience.
  • Email – lifeline@iciciprulife.com
  • Call – 1860-266-7766
  • SMS – ‘ICLAIMPolicy Number’ to 56767
  • Visit their nearest branch which can be located at the following link – https://www.iciciprulife.com/contact-us/our-network.html
  • Write to them at –
  • 1st Floor, C wing, Office No. 115, 116, 117, BSEL Tech Park,
    Opp. Vashi Station, Sector 30, Vashi,Navi Mumbai - 400706.

Step 2 -

  • Company’s ClaimCare team then scrutinizes your claim details and guides you, individually, at every step of the way.
  • The ClaimCare team will assess your claim, inform you in case any documents are pending and raise a requirement. Should you need any help, company’s claim experts will guide you.

Step 3

  • Once your claim is intimated and company receives all the relevant documents, they will settle your claim. Moreover, in order to secure your settlement amount, reduce documentation and ensure your convenience, they use electronic modes of transfer for settling your claim.
  • Link to claims section on ICICI Prudential Life Website – www.iciciprulife.com/insurance-claim.html

Grievance Redressal

Take your Grievance further:

  • If you are not satisfied with the resolution you receive, you can take your grievance to IPru’s Vice President - Customer Service, Ms. Ashwini Bondale. You can reach her at gro@iciciprulife.com
  • If you are not satisfied with the resolution from the Grievance Redressal Officer, you can e-mail at smgro@iciciprulife.com to take your grievance to Senior Grievance Redressal Officer
  • If the resolution is still not up to your expectations, you can approach IPru’s Grievance Redressal Committee
  • To submit your written grievance, you can post it to:
  • ICICI Prudential Life Insurance Co. Ltd.,1089 Appasaheb Marathe Marg, Prabhadevi, Mumbai 400025

Reach Out to Insurance Ombudsman

  • If after following all the above steps, your problem remains unresolved, you may directly approach the Insurance Ombudsman for redressal. Click https://www.iciciprulife.com/content/dam/icicipru/greviencedocs/Ombudsman_List_Pol_Doc_June_2016___Final.pdf#_blank to view the addresses of the Insurance Ombudsman Offices.

Mandatory Documents

  • Claimant's statement / Claim intimation form
  • Copy of Death certificate issued by Local Municipal Authority
  • Copy of Claimant's Photo Identification Proof & Current Address Proof
  • Cancelled Cheque

Additional Documents for Non-Accidental Death

  • Copy of Medico Legal Cause of Death Certificate
  • Copy of Medical Records (Admission Notes, Discharge/ Death Summary, Test Reports etc.)
  • Medical Attendant's/ Hospital Certificate to be filled by the treating doctor
  • Certificate from Employer (for salaried individuals)

Additional Documents for Accidental Death

  • Copy of FIR/ Panchnama/ Inquest Report & Post Mortem Report for accidental death & suicide cases
  • Copy of Driving License if Life Assured was driving the vehicle at the time of accident (Applicable if 'Accident and Disability Benefit Rider' is opted)

Step 1

  • Intimate the company about your claim through the following mediums -
  • Email – kli.claimsmitra@kotak.com
  • Call – 022- 66057280, 1800-209- 8800 (Toll Free)
  • Visit their nearest branch which can be located at the following link – https://insurance.kotak.com/how-do-i/locate-kotak-branches
  • Write to them at –
  • Kotak Mahindra Old Mutual Life Insurance Company Limited
    Kotak Infiniti, Building no. 21, 7th Floor - Zone 2, Infinity Park,
    Off Western Express Highway, General A K Vaidya Marg,
    Malad (E), Mumbai – 400 097

Step 2 -

  • Gather all the important documents for claim processing

Step 3

  • Submit all the important documents at the nearest branch

Step 4

  • Receive SMS confirmation regarding your claims details

Link to claims section on Kotak Life Website – https://insurance.kotak.com/how-do-i/file-claim

1. Natural Death

  • Duly-filled Death Claim Intimation Form
  • Original policy documents
  • Original death certificate issued by municipality or equivalent authority
  • Claimant’s photograph, current address proof and photo ID proof
  • Claimant’s copy of bank passbook / statement with bank account details
  • Medical certificate stating cause of death
  • Medical records (consultation notes, treatment records, admission notes, hospital indoor papers, discharge/ death summary, investigation reports, etc)
  • Medical questionnaire
  • Copy of certified post-mortem report/ chemical analysis report (viscera)

2. Unnatural Death

  • Duly-filled Death Claim Intimation Form
  • Original policy documents
  • Original death certificate issued by municipality or equivalent authority
  • Claimant’s photograph, current address proof and photo ID proof
  • Claimant’s copy of bank passbook / statement with bank account details
  • Medical certificate stating cause of death
  • Medical records (consultation notes, treatment records, admission notes, hospital indoor papers, discharge/ death summary, investigation reports, etc)
  • Copy of certified first information report/ inquest/ Panchnama (translation mandatory in the case of vernacular language)
  • Copy of certified post-mortem report/ chemical analysis report (viscera)
  • Copy of driving license if the insured was driving the vehicle at the time of accident

3. Permanent Disability Claim

  • Duly-filled Rider Claim Intimation Form
  • Original policy documents
  • Life Insured’s photo, current address proof and photo ID proof
  • Medical records (consultation notes, treatment records, admission notes, hospital indoor case papers, discharge summary, investigation reports, etc )
  • Life Insured’s copy of bank passbook / statement with bank account details
  • Medical questionnaire / physician statement to be completed by the doctor/hospital treating the life insured
  • Copy of certified first information report/ inquest/ Panchnama (translation mandatory in the case of vernacular language)
  • Copy of driving license if the life insured was driving the vehicle at the time of accident
  • Disability certificate from the relevant government authority

Step 1 -

  • Claim can be intimated by providing written information through –
  • Email - claims.support@maxlifeinsurance.com
  • Call - 1860-120-5577
  • Nearest Max Life Insurance company office - www.maxlifeinsurance.com/contact-us
  • Link to claims section on Max Life Website - www.maxlifeinsurance.com/claims-centre
  • By sending written information at:
    Max Life Insurance Operations Centre-–
    Claims Department,
    Max Life Insurance Company
    Operations center, - 2nd floor
    90A, Sector 18, Udyog Vihar,Gurgaon-122015, India
  • Dedicated claims relationship officer assigned for each and every death claim to guide claimants/beneficiaries at each and every steps of the claims process.

Step 2 -

  • Documents are submitted at the nearest branch or emailed to the company’s office

Step 3

  • All claims are examined by the company on the basis of information present in documents submitted by you in connection with the claim

Step 4

  • As per regulations, all valid claims are to be settled within 30 days after all necessary documents /clarifications have been received. In case, the claim warrants further verification, it may take upto 180 days to settle the claim. Subsequently, when a decision is taken, it is communicated to the claimant.

Grievance Redressal

  • Customer Grievance Redressal Unit<
  • Max Life Insurance Company Limited
  • Plot No – 90 A, Sector 18
  • Udyog Vihar, Gurugram, Haryana, Pin Code – 122015
  • Step 2 - If still not satisfied with the decision please write to the Grievance Officers at company’s head office
  • Step 3 - Where the Grievance is not resolved in favour of the policyholder or partially resolved in favour of the policyholder, the Company shall also inform the Complainant of the option to take up the matter before Insurance Ombudsman giving details of the name and address of the Ombudsman of competent jurisdiction. The detailed addresses of all the Insurance Ombudsman shall be as mentioned in the policy pack and on the Company's corporate website (List of Insurance Ombudsman).

Mandatory documents required

  • Original policy documents
  • Original/attested copy of death certificate issued by local municipal authority
  • Death claim application form (Form A)
  • NEFT mandate form attested by bank authorities along with a cancelled cheque or bank account passbook
  • Nominee's photo identity proof such as copy of Passport, PAN card, Voter identity card, Aadhar (UID) card, etc.

Additional documents required on basis of cause of death

  • Medical/Natural death:
  • Attending physician's statement (Form 'C')
  • Medical records (admission notes, discharge/death summary, test reports, etc.)
  • Accidental/Unnatural death:
  • Copy of the First Information Report (FIR) or Panchanama/Police complaint
  • Copy of Post Mortem report (PMR)/Autopsy and Viscera report
  • Copy of the Final Police Investigation report (FPIR)/Charge sheet4

Link for downloading the documents - www.maxlifeinsurance.com/downloads

Health Claims

  • Health claim application form (Details of forms available under claim forms section)
  • Attending physician's statement
  • Attested copies of all medical records
  • NEFT mandate form

Cancer Claims

  • Cancer Insurance Claim Form - Form CA
  • NEFT Form

Step 1

  • Intimate SBI Life about the claim through –
  • Email – claims@sbilife.co.in
  • Call – 1800-22-9090
  • Visit their nearest branch which can be located at the following link – https://www.sbilife.co.in/en/about-us/contact-us
  • Write to them at –
  • SBI Life Insurance Co. Ltd,
    8th level Seawoods Grand Central, Tower 2,
    Sector 40, plot No.R-1, Seawoods, Nerul,
    Navi Mumbai- 400706

Step 2 -

  • Send the duly filled claim form along with the supporting documents to the company’s address.
  • Or Submit the dully filled claim form along with the supporting documents at your nearest SBI Life branch.
  • Or Email them or visit your nearest SBI Life branch

Step 3

  • All claims will be assessed based on the claim documents that you/your family will submit and the information that the life Assured provided to the company in the proposal form.
  • Once a claim decision is taken, the claim amount will be released as per the terms and conditions of the policy.
  • Link to claims section on SBI Life Website – www.sbilife.co.in/en/services/claims-and-maturity

Grievance Redressal

Step 1

Step 2

Step 3

  • Escalate to SVP & Chief Of Client Relationship By post –
  • SBI Life Insurance Company Limited
    Central Processing Centre
    7th Level (D Wing) & 8th Level, Seawoods Grand Central Tower 2, Plot No R-1, Sector - 40, Seawoods, Nerul Node,
    Navi Mumbai-400 706

Step 4

Claim Documents

  • Claim Form
  • Original Policy Document
  • Original or Attested* Death Certificate issued by local authority
  • Claimant’s current address proof
  • Claimant’s photo ID proof
  • Direct Credit Mandate form (download sign) Claimant’s Valid bank passbook/statement or Cancelled Cheque with pre-printed Name and pre-printed Bank account number

Additional Documents

  • Medical attendant’s certificate
  • Hospital treatment certificate
  • Employer’s certificate (for salaried individuals)
  • Copy of FIR/Punchnama Report/Post Mortem#
  • Copy of Inquest Report/Police Final Report/Chemical Analysis Report/Magistrate’s verdict
  • In case TDS is applicable and customer is residing in a country where DTAA is applicable, the following documents can be submitted by the customer to avail DTAA benefit for exemption from tax.
  • Tax Residency Certificate
  • Form 10F
  • Residency Proof issued by the government of the country in which customer is staying

Individual Maturity

  • Original Policy Document
  • Maturity Discharge Voucher
  • Life Assured’s current address proof
  • Life Assured’s ID proof
  • Direct Credit Mandate form
  • Life Assured’s Valid## Bank pass book/bank statement/crossed cheque
  • Pan Card (if TDS is applicable as per Section 194DA of the Income Tax Act, 1961)

Pension Maturity

  • Original Policy Document
  • Maturity Discharge Voucher
  • Option Sheet (available in SBI Life Branch 3 months before the due date)
  • Life Assured’s current address proof
  • Life Assured’s ID proof
  • Direct Credit Mandate form (download sign)Life Assured’s Valid## Bank pass book/bank statement/crossed cheque
  • Pan Card (if TDS is applicable as per Section 194DA of the Income Tax Act, 1961)*

Annuity (Individual and Group)

  • Certificate of Existence

Survival Benefits

  • Life Assured’s current address proof#
  • Life Assured’s ID proof#
  • Direct Credit Mandate form
  • Life Assured’s Valid## Bank pass book/bank statement/crossed cheque
  • Pan Card (if TDS is applicable as per Section 194DA of the Income Tax Act, 1961)*
  • *Applicability of Section 194DA of the Income Tax Act, 1961
  • For Policies with Date of Commencement between 01/01/2003 to 31/03/2012 and Annual Premium exceeds 20% of Base Cover or
  • For Policies with Date of Commencement 01/04/2012 and onwards and Annual Premium exceeds 10% of Base Cover or
  • If the total payouts (SB / Maturity / Surrender / Partial Withdrawal) under all policies taken together, in one financial year is 1 Lakh< Above
  • Step 1- Contact the company through –
  • Toll free number – 1800-103-2292
  • Email – claims@bhartiaxa.com
  • Step 2 – Submit the relevant documents to the company
  • Step 3 – The claims will be scrutinized and processed by the company.

Grievance Redressal

Step 1

Step 2

  • If you are not still satisfied with the resolution & timelines (After 5 days of intimation of your complaint):
  • You may contact company’s National Grievance Redressal Officer at:
  • Write to -
  • Bharti AXA General Insurance, Spectrum Towers, 3rd floor,Malad Link Road, Malad (west), Mumbai- 400064
  • Call at 022-48815939
  • Email - NGRO@bhartiaxa.com

Step 3

  • If you are not still satisfied with the resolution & timelines (After 5 days of approaching National Grievance Redressal Officer):
  • You may contact company’s Chief Grievance Redressal Officer at:
  • Email - CGRO@bhartiaxa.com
  • Claim form duly signed along with attending physician statement
  • Photocopy of the discharge summary and final bill
  • Photocopy of the investigation report which confirms the diagnosis, e.g. CAG report in case of Coronary artery disease/ Bypass Surgery or biopsy report in cancer cases.
  • Medical certificate which states details of the treatment and fitness

Step 1

  • Step 1 – Notify the company on their helpline number – 1800-2-700-700
  • Step 2 – Submit the relevant documents for processing your claim
  • Step 3 – Based on your documentation company will notify you if any further proofs are required
  • Step 4 – Your claim will be processed

Grievance Redressal

  • Customer Service no: 022 - 6234 6234 / 0120 - 62346234
  • For lodging a complaint online, email us to our customer service desk at care@hdfcergo.com

Escalation Level 1

Escalation Level 2

  • In case, you are not satisfied with the decision/resolution of the above office, or have not received any response within 15 days, you may write to: cgo@hdfcergo.com

Escalation Level 3

  • Duly filled and signed claim form.
  • Photocopy of ID card.
  • A medical certificate confirming the diagnosis of critical illness from a doctor not less qualified than MD/MS.
  • Investigation reports/ other related documents reflecting the critical illness diagnosis.
  • Original detailed discharge summary / day care summary from the hospital
  • Step 1- Doctor advises hospitalisation
  • Step 2- Intimate your claim
  • Step 3 – Visit network hospital for the treatment
  • Step 4 – Hospital’s TPA desk contact company for arranging cashless treatment

Grievance Redressal

  • Step 1 - Call – 1800-3009
  • Email - rgicl.services@relianceada.com
  • Contact branches - Branch Locator – https://www.reliancegeneral.co.in/Insurance/About-Us/Contact-Us.aspx
  • Write to the company at (Correspondence Only)
  • Reliance General Insurance, Correspondence Unit, 301-302, Corporate House RNT Marg, Opp. Jhabua Tower, Indore, Madhya Pradesh, India - 452001
  • Step 2 – If you are not satisfied with the response, please email - Nodal Officer at rgicl.grievances@relianceada.com
  • Step 3 – If even this leaves you dissatisfied, please email ​- Head Grievances at ​rgicl.headgrievances@relianceada.com
  • Step 4 - If after having followed Step 1, 2 and 3 your issue remains unresolved, you may approach the Insurance Ombudsman for redressal.
  • Click here to get details on Insurance Ombudsman Offices​ - http://ecoi.co.in/ombudsman.html
  • Completely filled and duly signed Claim Form
  • Consultant’s certificate with diagnosis (including date when symptoms first occurred)
  • Relevant Investigation reports (Radiology, Pathology etc.) confirming the diagnosis
  • Original medical bills and receipts (from hospital, doctors, medical shops or diagnostic center, all supported by doctor's advice)
  • Hospital admission & discharge card/ certificate
  • Cancelled Cheque – CTS 2010 format (Printed account number, IFSC code and Printed name of insured). In case, insured’s name is not printed on the canceled cheque, provide scanned copy of 1st page of passbook or bank statement.
  • Photocopy of identification card of patient & PAN card of insured
  • Step 1 – Doctor advises hospitalisation
  • Step 2- Intimate your claim
  • Step 3- Undergo your treatment at the hospital and make the payment
  • Step 4 – Submit your documents within 15 days of discharge for reimbursement

Grievance Redressal

  • Step 1 - Call – 1800-3009
  • Email - rgicl.services@relianceada.com
  • Contact branches - Branch Locator – https://www.reliancegeneral.co.in/Insurance/About-Us/Contact-Us.aspx
  • Write to the company at (Correspondence Only)
  • Reliance General Insurance, Correspondence Unit, 301-302, Corporate House RNT Marg, Opp. Jhabua Tower, Indore, Madhya Pradesh, India - 452001
  • Step 2 – If you are not satisfied with the response, please email - Nodal Officer at rgicl.grievances@relianceada.com
  • Step 3 – If even this leaves you dissatisfied, please email ​- Head Grievances at ​rgicl.headgrievances@relianceada.com
  • Step 4 - If after having followed Step 1, 2 and 3 your issue remains unresolved, you may approach the Insurance Ombudsman for redressal.
  • Click here to get details on Insurance Ombudsman Offices​ - http://ecoi.co.in/ombudsman.html
  • Completely filled and duly signed Claim Form
  • Consultant’s certificate with diagnosis (including date when symptoms first occurred)
  • Relevant Investigation reports (Radiology, Pathology etc.) confirming the diagnosis
  • Original medical bills and receipts (from hospital, doctors, medical shops or diagnostic center, all supported by doctor's advice)
  • Hospital admission & discharge card/ certificate
  • Cancelled Cheque – CTS 2010 format (Printed account number, IFSC code and Printed name of insured). In case, insured’s name is not printed on the canceled cheque, provide scanned copy of 1st page of passbook or bank statement.
  • Photocopy of identification card of patient & PAN card of insured

Step 1 -

  • Intimate ABLSI regarding your claim settlement via the following ways –
  • a) Online
  • b) Email – claims.lifeinsurance@adityabirlacapital.com
  • c) Visit claims department/Branch office. You can locate the branch office from the following link - https://lifeinsurance.adityabirlacapital.com/Pages/Unsecure/LI/INDV/Home/Locator.aspx
  • d) Call Toll Free - 1800-270-7000
  • e) Intimate the Claims Dept with the claim documents at below mentioned address:
    Claims Dept,
    Aditya Birla Sun Life Insurance Company Limited
    G Corp Tech Park,
    5th & 6th Floor,
    Kasar Wadavali, Ghodbunder Road,
    Thane - 400 601.

Step 2 -

  • Once all the mandatory documents are received the claims team scrutinizes each claim documents in detail. In case of any pending documents requirement is communicated.

Step 3

  • IF the claim is accepted the payment is made to the beneficiary or If it is rejected communication providing reason is sent to beneficiary.

Link to claims section on Aditya Birla’s site -https://lifeinsurance.adityabirlacapital.com/customer-service/claim-procedure/online-claim.aspx

Grievance Redressal Mechanism

  • Step 1- If you have a grievance, please register your complaint on the following link - https://lifeinsurance.adityabirlacapital.com/Pages/Individual/Customer-Service/Complaint-Redressal.aspx .You will receive a response within 10 days from the date of receiving your communication.
  • Step 2- If the resolution you receive does not meet your expectations, please write to ABSLI Grievance Redressal Officer. The company will respond to you within 10 days from the date of receiving your communication.
  • Step 3 - If you are still dissatisfied with the resolution you receive, please write to ABSLI Chief Grievance Redressal Officer. ABSLI will respond to you within 10 days from the date of receiving your communication.
  • Step 4 - If you are still dissatisfied with the resolution you receive, please write to ABSLI Grievance Redressal Committee. ABSLI will respond to you within 10 days from the date of receiving your communication.
  • You can also submit your grievance by writing to ABSLI at:
    Aditya Birla Sun Life insurance,
    Grievance Redressal Department,
    G-Corp Tech Park, 6th Floor,
    Kasar Wadavali, Ghodbunder Road,
    Thane - 400601
  • If after having followed steps 1, 2 , 3 & 4 your complaint remains unresolved, you may approach the Insurance Ombudsman ( https://lifeinsurance.adityabirlacapital.com/Pages/Individual/List-of-Ombudsman.aspx ) located in your region.

CI Rider/CI Plus / Waiver of Premium CI/Lady Rider

  • Critical Illness Claimant's Statement with KYC - ID Proof / Relationship Proof
  • Critical Illness Hospital Treatment Certificate
  • Critical Illness Family Physician's Certificate
  • Certificate by Employer
  • Original Policy Document / Indemnity Bond (In case Original Policy document is lost)
  • Medical Reports

Step 1

  • Call Aegon Life’s toll-free Customer Service Helpline number 1800-209-9090
  • Visit their nearest branch and submit a death notice with a copy of the death certificate. It can be located on the following link - https://www.aegonlife.com/locate-branch
  • Online intimation at www.aegonlife.com
  • Claim documents can be directly emailed to claims@aegonlife.com
  • Send a written death notice with a copy of the death certificate to:
    Claims Department, AEGON Life Insurance Company Limited.
    Building No. 3,Third Floor, Unit No. 1,
    Nesco IT Park, Western Express Highway,
    Goregaon (East), Mumbai - 400063.
  • Link to claims section on Aegon Life Website - www.aegonlife.com/customer-service/claims

Step 2

  • Aegon Life will payout the fund value accrued under the policy to the beneficiaries as on the date of intimation of death (I.e. upon submission of all the documents mentioned in the requirement list as per the type of claim)

Step 3

  • - Upon receipt of the complete set of documents (as mentioned in the requirement list), Aegon Life will commence the claims process immediately. In case of any clarifications / further requirements, they will get in touch with you. Upon verification of the documents, if all the documents as per the requirements are received and are found to be in order, they will release the balance/ complete death/ rider benefit amount to you/ beneficiary subject to all other terms and conditions of the contract being fulfilled.

Grievance Redressal

  • Customer can call us on 1800 209 9090 from 9.00 am to 7.00 pm,
  • Letters: Customers can write into us at the branch or the Head Office. The branch addresses are available on company website - www.aegonlife.com/locate-branch
  • Send a letter to the below address:
    Kind Attention: Grievance Redressal Officer
    Aegon Life Insurance Company Limited
    Building No.3, Third Floor,
    Unit No.1, NESCO IT Park
    Western Express Highway, Goregaon (E)
    Mumbai – 400063.
  • Website: The customer can register his complaint via the complaints form available on website link - www.aegonlife.com
  • Email: Customer can write to customer.care@aegonlife.com
  • IGMS: Integrated Grievance Management System of IRDAI
  • Social Media (Facebook, Twitter, Mouthshut.com)
  • Complaint from the Public Grievance Portal or National Consumer helpline

Escalation Matrix:-

  • i. In case customer is not satisfied with the decision or have not received any response within 2
  • weeks, he may escalate the complaint to grievance.manager@aegonlife.com
  • ii. If customer fails to get response within 2 weeks or is not satisfied with response provided with
  • regards to the complaint, he can escalate the matter to coo.desk@aegonlife.com
  • iii. If customer is still dissatisfied with the resolution he receives from COO’s Desk within 4 days, he
  • may write to gro@aegonlife.com COO (Chief Operating Officer) shall be the GRO (Grievance Redressal Officer) of the company
  • iv. Insurance Ombudsman
  • • Death certificate (original or self-attested copy) issued by municipal corporation under section 12/17
  • • One passport size color photo of the claimant
  • • Passbook copy and Cancelled cheque stating the claimant's (Nominee) or life assured account number (as applicable)
  • • ID and residential proof of the claimant.
  • • Relationship proof (wherever applicable)
  • • ALIC Critical Illness Claim Application Form
  • • ALIC Critical Illness Attending Physician Statement
  • • ALIC Critical Illness Hospital Treatment Certificate
  • • All Medical reports from the first date of diagnosis to the last treatment received date.
  • In the unfortunate event of a critical illness, hospitalization, disability or death, please contact Customer Services Helpline at 1800-103-7766 or
  • Write to AVIVA LIFE at:
    Claims Department
    Aviva Life Insurance Company India Ltd.
    Aviva Tower, Sector 43,
    Opposite DLF Golf Course,
    Gurgaon - 122 003
  • The claimant can also inform AVIVA LIFE about a death claim on their website by clicking below- https://intranetapplications.avivaindia.com/eservicing/logindc.aspx?
  • Write to AVIVA LIFE at customerserivces@avivaindia.com
  • The customers and claimants can also approach their Branch offices. Their Branch office personals are well versed with the claim process and documentation. www.avivaindia.com/contact-us

Step 1: Complete the claim form

  • Complete the appropriate form depending upon which claim is to be made. Different forms are to be filled for claims against riders, death, hospital cash benefit, group term insurance and gratuity. All details with respect to client id, policy number, policy holder name, etc. should be duly filled.

Step 2: Arrange for appropriate documents

  • Based on the claims made, appropriate documents need to be provided. Documents can be submitted in original or photocopies, attested by a Gazetted officer, Magistrate, Tahsildar or police Sub-inspector.

Step 3: Hospitalisation and Surgical Rider Benefit Claim

  • In case of Hospitalisation and Surgical Rider Benefit claim, produce all medical bills and medical report issued by the attending physician qualified under law to issue such a report.

Step 4:Submit required documents along with the claim form

Grievance Redressal

  • Email – customerservice@avivaindia.com
  • Call – 1800-180-2266/ 0124-2709046
  • Write to the company at –
    Aviva Life Insurance Company India Ltd. ,
    Aviva Tower, Sector Road
    Opp.Golf Course,DLF-Phase V,
    Sector-43, Gurgaon -122003
    Visit nearest branch which can be located at - https://www.avivaindia.com/contact-us

Escalation

  • If you are not satisfied with the response that you receive from the access channels above or if you do not hear from company within 7 working days, you can escalate your complaint through:
  • (a) An E-mail to complaints@avivaindia.com explaining the details of the concerned issue. You will receive a response within 3 working days of the receipt of your complaint
  • (b) You can call the company on the toll-free numbers 1800-180-2266 (BSNUMTNL lines) or 0124-2709046 (Non BSNUMTNL lines).
  • (c) If you are not satisfied with the response that you receive or if you do not hear from the company within 10 working days of having registered your complaint, please contact - Complaint Redressal Officer (CRO).The CRO for Aviva Life Insurance will examine your issues and provide on impartial resolution and can be reached at:
    Complaint Redressal Officer (CRO) Aviva life Insurance Company India Ltd., Aviva Tower, Sector Road, Opp.Golf Course DLF-Phase V, Sector-43, Gurgaon -122003, Email: cro@avivaindia.com
  • (d) If you are not satisfied with the response that you receive contact Insurance Ombudsman – http://ecoi.co.in/ombudsman.html

CI Claim/ Hospital Cash Benefit

  • Original Policy Document
  • Completely filled & Countersigned Claim Form
  • Nominee ID proof establishing relationship with life insured
  • Medical Records (admission notes, discharge summary, test reports etc.)
  • FIR / Police Report if case filed with Police
  • Panchnama / Inquest Report if case filed with Police
  • Saving Bank Account Number
  • Contact number of Claimant
  • PAN card of payee

Step 1 -

  • Inform Bharti AXA in 5 easy ways:
  • a) Walk to nearest branch of Bharti AXA Life
  • https://www.bharti-axalife.com/contact-us/branch-locator
  • b) Call Bharti AXA life toll free on 1800-102-4444 (9.00am to 7.00pm)
  • c) Email Bharti AXA at: claims@bharti-axalife.com
  • d) Fill the details to get a call back - https://www.bharti-axalife.com/contact-us/call-me-now
  • e) Register Online https://online.bharti-axalife.com/OnlineClaims

Step 2 -

Step 3

  • If any further documents are required the company will inform you. Regular updates will be sent through letters, SMS and emails.

Step 4

Grievance Redressal Mechanism

In case you have any grievance, you may approach company’s Grievance Redressal Cell at any of the below-mentioned helplines:

  • 1. Lodge your complaint online
  • 2. Call at toll free no. 1800 102 4444
  • 3. Email at complaints.unit@bharti-axalife.com
  • 4. Write to the company at:
  • Registered office - Bharti AXA Life Insurance Company Limited Unit No. 1904, 19th Floor, Parinee Crescenzo,'G' Block, Bandra Kurla Complex, BKC Road, Near MCA Club, Bandra East, Mumbai-400051.
  • Grievance Redressal Cell – Bharti AXA Life Insurance Company Limited Spectrum Towers, 3rd Floor, Malad link road, Malad (west), Mumbai–400064.
  • 5. Visit nearest branch and meet Grievance Officer who will assist you to redress your grievance/ lodge your complaint.
  • 6. You may call Grievance Redressal Officer on 1800 102 4444 to register your grievance.
  • If you are still not satisfied In case you are not satisfied with the decision provided or if you have not received any response post completion of 14 days, you may write to Head - Customer Service for resolution at the above mentioned address or email at: head.customerservice@bharti-axalife.com
  • If you are still not satisfied In case you are still not satisfied with the decision of the Company, you may approach the Insurance Ombudsman. Contact details of the Insurance Ombudsman Offices - www.irdai.gov.in/ADMINCMS/cms/NormalData_Layout.aspx?page=PageNo234&mid=7.2

Following are the list of documents we will require to process a claim under Critical Illness Rider –

  • Original Policy Document
  • Claimant's Statement
  • Bank passbook of the claimant and cancelled cheque
  • Copy of medical records (Admission notes, discharge summary, test reports including past medical records)
  • Treating Doctor's Certificate(open link to download))
  • Employer Certificate (open link to download)

Step 1

  • Intimate the company about the claims through –
  • Online claim intimation at – www.dhflpramerica.com
  • Email – claims@dhflpramerica.com
  • Call – 1800-102-7070
  • Visit their nearest branch which can be located at the following link – https://www.dhflpramerica.com/locateus
  • Upon intimation, the company will send out an acknowledgement letter along with other details within 3 working days.

Step 2 -

  • Fill the claims form in legible/visible letters.

Step 3

  • Submit it along with the required documents addressed to company’s Claim helpdesk at –
  • 1. DHFL Pramerica Branches
  • 2. Claims Department, DHFL Pramerica Life Insurance,
  • 4th Floor, Building No. 9, Tower B, Cyber City, DLF City Phase 3, Gurgaon, 122002, Haryana
  • Link to claims section on DHFL Pramerica Life Website - https://www.dhflpramerica.com/Claims/Claim

Step 4

  • Claims processing will start as soon as the company receives the Claim form and documents. Company’s representative may get in touch with you for further information. Claims decision will be communicated to you within 30 days ‘of receipt of complete documentation.

Grievance Redressal

If the response received from the Company is not satisfactory or no response is received within two weeks (Business Days) of contacting the Company, the matter may be escalated to:

  • a.) Email: customerfirst@dhflpramerica.com
  • b.) Head Grievance Redressal Officer
  • DHFL Pramerica Life Insurance Company Ltd.,
    4th Floor, Building No. 9 B, Cyber City,
    DLF City Phase III, Gurgaon – 122002
  • If after contacting the Company, the Policyholders query or concern is not resolved satisfactorily or within timelines the Grievance Redressal Cell of the IRDAI may be contacted.
  • a.) Call Center Toll Free Number – 155255
  • b.) Email Id: complaints@irda.gov.in
  • c.) Complaints against Life Insurance Companies:
  • Insurance Regulatory and Development Authority of India
    Consumer Affairs Department
    Sy. No. 115/1, Financial District
    Nanakramguda, Gachibowli
    Hyderabad – 500032
  • d.) In case the complaint is not addressed or a satisfactory resolution is not provided by the Insurer
  • you may escalate your complaint to the IRDAI on its online facility (Integrated Grievance Management
  • System) which helps policyholders register complaints and track their status. For this purpose,
  • you may login in to www.igms.irda.gov.in.
  • In case you are not satisfied with the decision/resolution of the Company, you may approach the Insurance Ombudsman
  • The address of the Insurance Ombudsman may be obtained from the following link on the internet Link https://www.irdai.gov.in/ADMINCMS/cms/NormalData_Layout.aspx?page=PageNo234&mid=7.2
  • Completely filled Death Claim Form
  • Death Certificate (A)
  • Original Policy Document
  • Critical Illness Claim Form
  • All past and current Discharge Summary
  • All past and current medical/ hospital records - consultation notes, admission notes and test reports
  • Step 1 – Customer downloads claims intimation form from HDFC Life’s website or collects the same at HDFC Life’s branch or writes to HDFC Life
  • Step 2 – Claim intimation form/letter received by HDFC Life
  • Step 3 – HDFC Life sends a letter (with a list of documents required) to the claimant
  • Step 4 – Complete set of documents and information are sent/submitted at the nearest HDFC Life branch by the claimant
  • Step 5 – Documents are received by HDFC Life claims team and If all the documents are complete then the decision is taken on whether the claim is accepted or rejected
  • Step 6 – If the claim is accepted then cheque is dispatched or NEFT is processed or if the claim is rejected then the reasons for the same are communicated to the claimant

Grievance Redressal

The customer can contact the company on the below mentioned address in case of any complaint/ grievance:

  • Grievance Redressal Officer
    HDFC Standard Life Insurance Company Limited 11th Floor,
    Lodha Excelus, Apollo Mills Compound,
    N. M. Joshi Marg, Mahalaxmi, Mumbai, Maharashtra – 400011
    Helpline number: 18602679999 (Local charges apply) E-mail: service@hdfclife.com
  • If you are still not satisfied with the response provided by the Claims Review Committee, you could also approach the Insurance Ombudsman in your region. For address visit - https://www.irdai.gov.in/ADMINCMS/cms/NormalData_Layout.aspx?page=PageNo234&mid=7.2
  • Critical Illness claim form with bank account proof
  • Medical records, reports of diagnostic tests, hospital treatment records for illness
  • Original Policy Document
  • Claimant's Pan card and Aadhar card
  • Step 1 - Get admitted to any one of company’s network hospitals.
  • Step 2 - Use your Max Bupa Health Card or share your Policy number and Passport / PAN card / voter’s ID for identification purposes
  • Step 3 - The Network Hospital will check your identity for validation and submit the pre-authorisation request form to the company
  • Step 4 - Company will review and provide confirmation to the Network Hospital by fax and E-mail and also send a text message and an E-mail confirming the same to you. Company will respond to your request within 30 Minutes
  • Step 5 - Company will settle the claim (as per policy terms & conditions) with the hospital after completion of all formalities

Grievance Redressal

Step 1

  • Call on Customer helpline number 1860-3010-3333. Alternatively write to Gargi Sahu, General Manager & Grievance Redressal Officer at
  • Email: grievanceredressal@maxbupa.com
  • Senior citizens may write at the following id: seniorcitizensupport@maxbupa.com OR
  • Visit us at any of their branches - www.maxbupa.com/Documents/Branch-GRO-list.pdf OR
  • Write at:
    Customer Services Unit
    Max Bupa Health Insurance Company Limited
    B-1/I-2, Mohan Cooperative Industrial Estate,Mathura Road, New Delhi-110044.

Step 2

  • If the resolution has not met your expectation, kindly write to Navin Sahni, SVP & Grievance Redressal Officer at Email: priority.services@maxbupa.com

Step 3

  • If the company has not been able to resolve the issue and you wish to make a further suggestion or a complaint, please write to Vikas Gujral, Director & COO - Designated Grievance Officer at Email: GRO@maxbupa.com

Step 4

  • If after having followed Steps 1, 2 and 3 company has not been able to resolve your concern, you can address the same independently to the Insurance Ombudsman Office.
  • to find the contact details of the Insurance Ombudsman Office nearest to you – www.maxbupa.com/Documents/Ombudsman-Office-Address.pdf
  • Duly filled and signed claim form and KYC documents
  • Final Hospital Discharge Summary in original/self attested copies if the originals are submitted with another
  • insurer, if applicable
  • Final Hospital Bill in original/self attested copies if the originals are submitted with another insurer, if applicable
  • Consultation notes and/or investigation reports from outside the hospital prior to hospitalization
  • First consultation note and all medical record since onset of complaint
  • Copy of First Information Report (FIR) (if CritiCare being claimed for is admissible in event of an Accident)
  • Copy of Medico Legal Certificate duly attested by the concerned hospital (if CritiCare being claimed for is admissible in event of an Accident) if applicable
  • Step 1 - In case of hospitalization notify the company within 48 hours of your admission in company’s network or non – network hospital. After getting admitted pay directly to the hospital.
  • Step 2 - On discharge, please ensure you collect all relevant documents, invoices, medical reports and discharge certificate from the Hospital in originals.
  • Step 3 - Send the documents and the completely filled and signed claim form to company along with your valid ID proof and age proof. The claim form is available on the website www.maxbupa.com and in your policy document as well.
  • Step 4 – The company reviews your claim request and accordingly will approve, query or reject the same (as per policy terms & conditions).
  • Step 5 – Company will review your claim request and accordingly will approve, query or reject the same (as per policy terms & conditions).
  • Step 6 - Company will settle the claim (as per policy terms & conditions) and reimburse the approved amount.

Grievance Redressal

Step 1

  • Call on Customer helpline number 1860-3010-3333. Alternatively write to Gargi Sahu, General Manager & Grievance Redressal Officer at
  • Email: grievanceredressal@maxbupa.com
  • Senior citizens may write at the following id: seniorcitizensupport@maxbupa.com OR
  • Visit us at any of their branches - www.maxbupa.com/Documents/Branch-GRO-list.pdf OR
  • Write at:
    Customer Services Unit
    Max Bupa Health Insurance Company Limited
    B-1/I-2, Mohan Cooperative Industrial Estate,Mathura Road, New Delhi-110044.

Step 2

  • If the resolution has not met your expectation, kindly write to Navin Sahni, SVP & Grievance Redressal Officer at Email: priority.services@maxbupa.com

Step 3

  • If the company has not been able to resolve the issue and you wish to make a further suggestion or a complaint, please write to Vikas Gujral, Director & COO - Designated Grievance Officer at Email: GRO@maxbupa.com

Step 4

  • If after having followed Steps 1, 2 and 3 company has not been able to resolve your concern, you can address the same independently to the Insurance Ombudsman Office.
  • to find the contact details of the Insurance Ombudsman Office nearest to you – www.maxbupa.com/Documents/Ombudsman-Office-Address.pdf
  • Duly filled and signed claim form and KYC documents
  • Final Hospital Discharge Summary in original/self attested copies if the originals are submitted with another
  • insurer, if applicable
  • Final Hospital Bill in original/self attested copies if the originals are submitted with another insurer, if applicable
  • Consultation notes and/or investigation reports from outside the hospital prior to hospitalization
  • First consultation note and all medical record since onset of complaint
  • Copy of First Information Report (FIR) (if CritiCare being claimed for is admissible in event of an Accident)
  • Copy of Medico Legal Certificate duly attested by the concerned hospital (if CritiCare being claimed for is admissible in event of an Accident) if applicable
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