Although the last thing you would wish for while getting yourself an insurance policy is to get caught in a situation where you have to file a claim, uncertainties are an inherent part of life and insurance helps you tackle exactly that.
So, when the time comes, you file for claims to receive the promised compensation under your policy, be it health, car, or any other insurance policy for that matter. While in some cases the claim is instantly approved, others take longer than usual, and sometimes the claim is even rejected. Recurring reasons for this are when the insurer isn’t intimidated within the prescribed time or the absence of an important document that was to be filed along with the claim form.
In order to help you prevent a claim rejection, here is OneInsure to acquaint you with the entire claim procedure, step by step. All you have to do is earmark this piece and keep it handy to know what steps to follow when the need to file for a claim arises. The steps are:
Step 1: Inform Your Insurer
The first step that you need to undertake as soon as the need to file a claim on your policy arises is to inform your insurance company. You can either call them (contact details will be available online on your insurer’s website) or you can get in touch with the insurance agent from whom you’ve bought your policy. You may also visit the nearest branch of your insurer.
Tip: Call OneInsure regardless of whether or not you have bought your policy from us and get quick assistance through the entire claim procedure.
Step 2: Submit the Claim Form to Your Insurer
Get the claim form from your insurer’s website, fill it accurately, attach the necessary documents, and submit it to your insurer. Make sure you’re submitting the claim form within the prescribed time limit.
Step 3: Co-operate during the Evaluation Process
Once you have submitted the claim form, your insurer will send a representative for inspection (if required). For example, in case of a car insurance claim after an accident, the representative will inspect your car to evaluate how much of the claim amount should be compensated.
Step 4: Wait for Intimation from Your Insurer, but Be Proactive
After the inspection has been done, you will be required to wait until intimation is received from your insurer informing whether or not your claim has been approved. In the meantime, do not sit idle. Be proactive – keep in touch with your insurer and enquire about the status of your claim request.
Step 5: Approved or Rejected?
If your claim has been approved, don’t forget to ask your insurer to provide a written agreement from their end. Also, get a written confirmation as to when the claim amount will be paid to you.
Contrarily, if the claim is denied, inquire about the reasons for rejection. If you’re not satisfied with the given reason, contact your insurance lawyer/agent, who will guide you regarding what to do next.
If you have more queries or need instant claim assistance, get in touch with us immediately on 86559-86559. Alternatively, you can also drop us an email at firstname.lastname@example.org and we will get in touch with you at the earliest.
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