Claim for General Insurance


Process of Claim Settlement

General insurance is a type of insurance that provides coverage for various risks and uncertainties that may occur in everyday life. It can include coverage for health, home, motor, travel, and other types of insurance policies. In the event of an unfortunate incident, it is important to know how to claim your insurance to get the coverage you deserve. In this blog, we will discuss the steps you need to follow to claim your general insurance policy.

Step 1: Intimation of Claim

The first step to claim your general insurance policy is to inform your insurance company about the incident immediately. This process is known as the intimation of a claim. You can do this by calling the toll-free number provided by the insurance company, sending an email, or visiting their website. Make sure you provide accurate details about the incident and your policy number. The insurance company will assign a claim number and a claims representative to assist you in the process.

Step 2: Documentation

Once you have informed the insurance company about the incident, you will need to submit the necessary documents to support your claim. The documents required may vary depending on the type of insurance policy you have and the incident you are claiming for. Below are the standard documents that may be required:

    • Policy documents
    • Proof of incident, such as a police report, medical certificate, or accident report
    • Identity proof
    • KYC documents
    • Bills and receipts related to the incident
    • Any other documents that the insurance company may require
    • Make sure you submit all the necessary documents in a timely manner to avoid any delays in the claim process.

Step 3: Survey and Assessment

After receiving the claim intimation and necessary documents, the insurance company will assign a surveyor to assess the damage or loss. The surveyor will visit the location of the incident, examine the damage, and prepare a report. The surveyor’s report is an important document as it helps the insurance company determine the extent of the damage and the compensation that needs to be paid.

Step 4: Settlement

Based on the surveyor’s report and the documents submitted, the insurance company will process your claim and settle the amount due. The settlement may be made in the form of cashless settlement or reimbursement, depending on the terms and conditions of your policy.

Cashless Settlement:

In a cashless settlement, the insurance company directly pays the hospital or service provider for the expenses incurred by the policyholder. This option is available for health insurance policies and motor insurance policies.


In a reimbursement settlement, the policyholder pays the expenses incurred and then submits the bills and receipts to the insurance company for reimbursement. This option is available for most general insurance policies.

Step 5: Follow up

After submitting your claim, make sure to follow up with the insurance company regularly to get updates on the status of your claim. You can also check the status of your claim online through the insurance company’s website. In case of any discrepancies or delays, you can contact the claims representative assigned to you for assistance.

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