Health Insurance Claim Support
Direct links to claim portals, helpline numbers, and email contacts for 30+ health insurance companies in India.
Written by Shifa NooraniReviewed by Shadab SayeedUpdated nyvo insurance Services LLP, IRDAI Corporate Agent (Composite) CA1085Salaried advisors, no commission-based ranking
Intimate Early
Inform your insurer within 24-48 hours of hospitalization for planned admissions
Keep Documents
Collect all bills, prescriptions, discharge summary and investigation reports
Cashless vs Reimbursement
For cashless, use network hospitals. For reimbursement, submit within 15-30 days
Track Status
Use the online portal or helpline to track your claim status regularly
Standalone Health Insurance Companies
Click on "File Claim Online" to register your claim directly with the insurer
General Insurance Companies
These companies offer health insurance along with motor, travel, and other insurance products
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Oriental Insurance
Documents Required for Health Insurance Claim
For Cashless Claims
- Health card / Policy copy
- Photo ID proof (Aadhaar/PAN)
- Pre-authorization form (filled by hospital)
- Doctor's prescription for admission
For Reimbursement Claims
- Original hospital bills with itemized breakup
- Discharge summary from hospital
- Investigation reports (blood tests, scans)
- Pharmacy bills with prescriptions
- Claim form duly filled and signed
- Cancelled cheque / bank details
Frequently Asked Questions
What is the difference between cashless and reimbursement claims?
In cashless claims, the insurer directly settles the bill with the network hospital. In reimbursement, you pay the hospital first and then claim the amount from your insurer by submitting bills and documents.
How long does it take to settle a health insurance claim?
The insurer must decide on a cashless pre-authorisation request within 1 hour, for a planned or an emergency admission, and give final authorisation within 3 hours of receiving the hospital's discharge request. A reimbursement claim must be decided within 30 days of the insurer receiving complete documents (IRDAI Master Circular on Health Insurance Business, 29 May 2024).
What should I do if my claim is rejected?
First, understand the reason for rejection by requesting a detailed explanation. If you believe the rejection is unjust, you can file a grievance with the insurer or approach the Insurance Ombudsman for resolution.
Can I file a claim for pre-existing diseases?
Yes, once your policy's pre-existing disease waiting period is over. That wait is capped at 36 months under the IRDAI (Insurance Products) Regulations, 2024, and some plans set it shorter. A claim for a pre-existing disease inside the waiting period will be rejected.