How to File an Insurance Claim in Mumbai – Simple Guide
Filing an insurance claim can feel stressful, especially when you’re already dealing with an accident, hospital visit, or theft. The good news is that the process isn’t as complicated as it looks. With the right steps, you can save time and avoid delays.
Here’s a clear and simple guide to help you file your claim in Mumbai.
Step 1: Inform Your Insurance Company
As soon as something happens, call your insurer or use their app/website to report the incident. They’ll give you a claim number that you’ll need later.
👉 For car accidents or theft in Mumbai, don’t forget to file an FIR with the police first.
Step 2: Gather Your Documents
Keep all the important papers ready. What you need depends on the type of claim:
- Car/Bike: Policy, RC book, driving licence, FIR (if required), garage bill/estimate, photos of the damage.
- Health: Health card/policy, hospital bills, discharge summary, test reports, prescriptions.
- Life Insurance: Policy, claim form, death certificate, nominee ID, medical records.
Step 3: Submit the Claim Form
Fill in your insurer’s claim form carefully and attach the documents. You can usually do this online or through a local branch/agent. Always keep a copy for yourself.
Step 4: Verification
- For motor claims, a surveyor may check your vehicle.
- For health claims, the hospital will send a request for cashless approval.
- Sometimes the insurer may ask for extra documents—send them quickly to avoid delays.
Step 5: Settlement
There are two main ways claims get settled:
- Cashless: The insurer pays the hospital or garage directly.
- Reimbursement: You pay first, then the insurer refunds the amount.
For life insurance, the settlement goes straight into the nominee’s bank account.
Step 6: Track Your Claim
Most insurers let you track your claim online, by SMS, or through their app. If you’re using ClaimChase, you can see everything in one place and get reminders.
Step 7: What If There’s a Problem?
If your claim is delayed or rejected:
- Contact your insurer’s grievance cell.
- File a complaint on IRDAI’s Bima Bharosa portal.
- If still unresolved, approach the Insurance Ombudsman in Mumbai (Santacruz).
Quick Tips for Faster Claims
- Send clear scans of all documents.
- Use insurer-approved garages and hospitals for cashless service.
- Save all SMS, emails, and reference numbers.