Claim Assistance

With Expert Assistance, No Claim Is Too Daunting

Aditya Nair — Thu, 05 Dec 2019 03:16:00 GMT

With Expert Assistance, No Claim Is Too Daunting

05-Dec-2019 05-Dec-2019'

Although one does not ever want to face the situation where they have to file a claim—be it for their motor policy, health policy, or any other type of insurance policy—you would have to agree that the whole point of purchasing an insurance policy is to be able to recover the financial losses one encounters if something goes wrong. An insurance policy is your financial safety net and being able to file a claim and have it approved should not be a challenge.

However, the ground reality is quite disturbing. Did you know that, as of 2018, the health insurance claim ratio is close to 8% in India? The motor insurance claim ratio hovers around 30%. These stats point at certain challenges the Indian policyholder faces when it comes to claims:

Policyholders’ understanding of the claims process is limited
Many do not know the exact scope of the policy they hold
Policyholders’ understanding of the rigorous documentation needed in case of a claim is limited
They don’t know whom to ask for assistance

At OneInsure, we realize that handling complicated insurance claim procedures successfully can be a near-impossible task for a layperson. We also fully appreciate the fact that when a customer opts for an insurance policy, they are in fact investing in their own and their loved ones’ peace of mind and financial protection in case of adverse circumstances. And the one way to ensure these goals are met is by successfully getting a claim. This is why:

OneInsure offers claim assistance to any policyholder at zero cost
(the policyholder need not be a customer of OneInsure)

Because of our 500+ insurance experts, we are able to guarantee that the claim process is quick, painless, and comprehensive. Here are the stages in which our Claim Assistance Team helps policyholders:

Claim intimation
Document submission
Follow-up with the insurer
Final decision on the claim and further actions

OneInsure offers claim assistance for the following segments:

Health insurance
Motor insurance
Life insurance – death benefit as well as maturity benefit claims
Critical Illness
Personal Accident

Whether you need a specialist to help you with the paperwork or guide you through the long claim procedure or provide you the exact and regular updates about the status of your claim, OneInsure focuses on providing end-to-end solutions for your claim needs.

We understand that claims are technical and complex, but with OneInsure, you can be rest assured because we know what it takes to get a claim settled.

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 support@oneinsure.com and we will get in touch with you at the earliest.

(Source and credits: ET and ToI)

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Claim Denied due to a Technicality? Just Call OneInsure!

Aditya Nair — Mon, 05 Aug 2019 06:15:00 GMT

Claim Denied due to a Technicality? Just Call OneInsure!

05-Aug-2019 05-Aug-2019'

Aditya Nair

Mr. Rajan Shukla purchased an Audi A4 in Oct 2017. For complete protection, he also purchased a comprehensive car insurance policy with riders that would cover any damage. As a careful driver, he managed to keep his car unharmed for nearly two years, until Mar 17, 2019, when a rashly driven car banged his parked car inside a mall’s parking space.

The car raced away, leaving behind a huge dent and quite a few scratches on the left side of Mr. Shukla’s Audi. The scratches ruined the elegance of the car and he had no choice but to get it repaired. The evaluation at the showroom revealed a cost of approximately Rs 1.25 lakhs.

On enquiring with the showroom, he was informed that even though the car could be fixed in three days, replacement parts would be available only after two weeks.

Before the arrival of the parts, Mr. Shukla’s policy expired and he renewed it immediately. After a few days, when the parts arrived, the car was repaired immediately. Though, on filing for the insurance claim, he found out that because the accident had occurred while the old policy was active and the repairing took place after the renewal of that policy, his claim could not be approved.

After the clear denial from the insurer, he was left with the choices of paying from his pocket or getting assistance from a third-party. He decided to do the latter and got in touch with OneInsure after he saw the name repeatedly on many forums, where he was looking for motor claim assistance.

After listening to the entire scenario, OneInsure asked for details of the car and the policy. We called the insurance company and probed for clear information. On understanding the issue and recognizing the shortfalls of the claim, OneInsure suggested Mr. Shukla register the claim on his previous comprehensive car insurance policy since the claim occurred when the previous policy was active.

In the end, the solution was a simple one and Mr. Shukla’s claim came through within a week. Note that he had to pay the NCB shortfall amount for his renewed policy. He now had a policy with no NCB benefit, but didn’t have to pay more than Rs 10,000, and also got back a next-to-new car within a week. Needless to mention, by contacting OneInsure, Mr. Shukla saved more than Rs 1 lakh.

This case was a technical one, but OneInsure’s team of claim experts is highly experienced and fully equipped to deal with such scenarios. Also, OneInsure offers assistance to all policyholders, regardless of where you have purchased your policy from.

In a claim emergency, just call OneInsure at 86559-86559 or email support@oneinsure.com.

OneInsure’s helpful Claim and Service Teams are available digitally through the OneInsure app too – Play Store | App Store.

The OneInsure app exists to serve insurance policyholders, regardless of where they have purchased their policies from. This app is designed to be a one-stop solution for all the insurance needs of customers and includes features like premium reminders, claim and service assistance, and access to 60+ other insurance-related services.

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For Health or Motor Policy Assistance, Choose Only OneInsure

Shraddha Gala — Mon, 01 Jul 2019 06:27:00 GMT

For Health or Motor Policy Assistance, Choose Only OneInsure

01-Jul-2019 01-Jul-2019'

Shraddha Gala

On the night of Dec 31, four friends decided to go clubbing near their office. Jairaj was the only one of them who was married. He duly informed his family about his whereabouts and agreed to join the party. Since Jairaj was in a good mood, he wanted to ride his friend Hardik’s bike. In turn, he offered Hardik his own car to drive.

A kilometer into the ride, Jairaj crashed while overtaking a truck. He banged into a lamppost and injured his chest. The bleeding was profuse and wasn’t stopping, so he was taken to the nearest hospital in his own car. Luckily, there was no pillion rider along.

One of the three friends quickly informed his wife and the other two spoke to the doctor to evaluate the money required for treatment. The doctor informed them that initial costs would be about Rs 1 lakh and further costs may be more than Rs 2 lakhs because of internal injuries.

When Jairaj’s wife arrived at the hospital, she couldn’t stand the sight of his condition. When Hardik asked her about their health insurance policy, she knew he had a policy but had no idea about the whereabouts of the policy documents. He hoped that the policy was bought online and searched for the insurance papers in Jairaj’s email inbox. He didn’t find any documents, though he did manage to find quite a few emails from OneInsure and the mention of the OneInsure app in one of the emails.

On Jairaj’s phone, Hardik found the OneInsure app and noticed a few of Jairaj’s policies. Without wasting time, he called OneInsure. Since Hardik was not a relative, OneInsure asked for a family member to speak to. His wife made the next call, and just with a phone number, OneInsure’s executives were able to assist them with details of Jairaj’s health policy and even the policy copy.

This helped a great deal and his friends could immediately access his health policy. After scrutinizing the sum insured and going through details, they were clear about how much the health insurance company will cover and how much they may have to shell out for immediate procedures.

Ultimately, with dedicated assistance from OneInsure, the money spent by friends and by Jairaj’s wife was reimbursed. An important surgery was carried out at a network hospital. Jairaj is now fully recovered and glad that it wasn’t his own car that he banged.

Furthermore, Hardik also got the claim for his bike speedily recovered from his motor insurer with the help of OneInsure.

OneInsure provides service and claim assistance for policies bought from anywhere.

Do save 86559-86559 to your contact list and remember to call us for all things Insurance.

The OneInsure app is available for download: Play Store | App Store. Read more on the app here.

Be Sure with OneInsure

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Your Step-by-Step Guide to Filing a Successful Insurance Claim

Mohit Mishra — Thu, 26 Jul 2018 12:58:09 GMT

Your Step-by-Step Guide to Filing a Successful Insurance Claim

26-Jul-2018 26-Jul-2018'

Mohit Mishra

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.

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Prompt Assistance Is Key To A Smooth Claim Experience

Joan — Mon, 30 Apr 2018 10:29:10 GMT

Prompt Assistance Is Key To A Smooth Claim Experience

30-Apr-2018 30-Apr-2018'

Joan

Ms. Archana, a client of OneInsure, was admitted in one of Mumbai’s reputed hospitals after suffering from a persistent high fever for a couple of days. She had been taking antibiotics prior to being hospitalized on the advice of her family doctor. After she was admitted, the doctors conducted a series of medical tests and found that she was suffering from a severe case of urinary tract infection. Right away, she was put on antibiotics of a stronger dose, which was given to her intravenously. Her health began to recover and she was discharged on the third day. She decided to pay the medical bills herself and later file a reimbursement claim with the insurance company.

When OneInsure received the reimbursement file, its claims team realized that some papers were missing, including the discharge summary from the hospital. OneInsure, with the authorization from Ms. Archana, collected all the missing documents from the hospital and got them in place to submit to the insurance company. However, on close examination of the discharge summary, OneInsure noticed that there was a comment from the hospital about Ms. Archana (related to her condition at the time of admission). The term ‘AFEBRILE’ was mentioned in her file which meant that she did not have fever at the time of hospitalization. This would have a serious impact on her claim as the primary reason cited by Ms. Archana was fever.

OneInsure got in touch with Ms. Archana, and she told the insurance broker that she had a fever of 104 degrees F when she was admitted. This was then communicated to the hospital and they admitted their mistake and got the same corrected in the final discharge summary. The claim was then processed and Ms. Archana received a final sum of ₹ 53,000, after some deductions of non medical expenses. Had the claims team at OneInsure not noticed the improper narration from the hospital, the claim process would have turned into an investigation between the insurance company and the hospital and the payment would have been extremely delayed.

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Adhering To Guidelines Can Help You Save Big

Joan — Mon, 30 Apr 2018 10:26:06 GMT

Adhering To Guidelines Can Help You Save Big

30-Apr-2018 30-Apr-2018'

Joan

42-year old Yogesh Gupta, head of operations at a leading MNC, had availed a ₹50 lakh health coverage from an insurance company about two years back. Everything in his professional and personal life was going quite smoothly; Yogesh was at the top of his game. One fine day, however, in November 2017, Yogesh started feeling uneasy. He was finding it difficult to breathe and so his family took him to the hospital. The doctors told Yogesh that he needed to be admitted to the hospital, following which they conducted a few tests, including angiogram, to see what was wrong with him. The tests revealed that Yogesh had multiple blockages in his heart.

Yogesh then contacted OneInsure, which is the broker through whom he had purchased the particular cover, right away. OneInsure in turn contacted his insurance company to let the provider know that he was admitted in the hospital for surgery. Now, since the hospital that he was admitted in was not part of his insurance company’s network hospitals, Yogesh decided to go ahead with the operation and then file a reimbursement claim with his insurance company. After he was discharged, he approached OneInsure for reimbursement of his medical expenses. The broker collected all the necessary documents (few of the documents were missing, but OneInsure provided the necessary assistance and helped him get it) and Yogesh file a claim. However, post examination, it was found that the claim had been filed before the waiting period was over. He had a week to go until his pre-existing condition would be covered. (Note - A pre-existing condition is a medical condition that an insured individual suffers from prior to the date of purchase of a health cover. Health insurers generally have a waiting period of two years until they cover medical expenses associated with treating pre-existing conditions.)

To substantiate its claim, OneInsure collated all the necessary documents, which reinforced customer commitment towards maintaining good health. At the time of policy purchase, when it was found out that Yogesh suffered from hypertension during a health check up, the insurance company had advised him to eat right, take his medicines on time and participate in physical activities so that he stays fit. And so, Yogesh did – he never skipped out of his medicines, participated in at least two marathons a year and joined a joggers club. He even claimed for expenses from his joggers club under OPD. After OneInsure conveyed all of this information, the insurance company took a compassionate view, examined the claim and gave its approval. In the end, Yogesh stood to receive a sum of ₹3.25 lakhs in the form of reimbursement benefit from his insurance company.

If you would like to get in touch us, you can write to support@oneinsure.com or give us a ring at 86559 86559.

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Being In Touch - Solves Everything

Mariya Panwala — Mon, 30 Apr 2018 10:21:13 GMT

Being In Touch - Solves Everything

30-Apr-2018 30-Apr-2018'

Mariya Panwala

About three months before, an existing client of OneInsure, Anubhav Singh, bought a senior citizen’s Travel Insurance Plan for his parents who were to travel to the US.

When his parents got back from their trip, Mr. Sudhir from our health & travel team got in touch with Mr. Singh enquiring about his parents’ travel experience. Mr. Singh informed him that all went fine over the trip except for the fact that his father suffered from an extreme tooth pain and consequently had to get it extracted. With concern & care Mr. Sudhir asked him the reason for not intimating OneInsure about this unforeseen incident, as he also had a Travel Insurance Plan for his parents. To this Mr. Singh replied that he wasn’t aware if dental procedure was covered under the plan and that the insurance company would reimburse for it. Mr. Sudhir then informed Mr. Singh that dental procedure was indeed covered under his particular plan, and also assured that he would work on this case and see to it that Mr. Singh gets the reimbursement.

Also Read: Cashless Mediclaim Policy - What You Need To Know

To start with, he asked Mr. Singh to send in all the bills pertaining to the dental procedure that his father underwent in the US. He then guided Mr. Singh step by step for subsequent procedure to get the claim amount from the Insurance Company. The entire procedure took time - almost 3 months post the treatment. Fortunately, the Insurer replied in positive and announced that Mr. Singh was eligible to get the reimbursement since he did not know about the clause.

Also Read: Timely Assistance For A Hassle-Free Claim Experience

Hence, Mr. Singh was reimbursed $ 800 i.e. ₹40,000 against the premium of ₹7,000. He was extremely happy and acknowledged Mr. Sudhir’s prompt and efficient handling of his case.

Had our expert Mr. Sudhir not made the intuitive call to the client, the client would have remained deprived of the benefit of a considerably high amount.

The point that we are trying to make here is whenever you need claims assistance, do not hesitate to get in touch with OneInsure. Our claims assistance team works round-the-clock to serve their clients. Get in touch with us by dialing 86559 86559 or write to us at support@oneinsure.com and let us handle your insurance-related problems.

*All names have been changed to protect the privacy of the individuals.

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Repercussions of providing false information

Varghese — Sun, 22 May 2016 07:00:00 GMT

Repercussions of providing false information

22-May-2016 22-May-2016'

Varghese

While shopping for health insurance, Ishant, a 35-year-old hypertensive patient, realized that he would need to undergo a medical test. A friend suggested him to conceal his medical history to avoid the hassles of medical tests. Ishant agreed and purchased the policy without disclosing his past medical problems.

A couple of years passed by and Ishant kept paying his premiums diligently, until one day, when he started experiencing chest pain and had to be rushed to the hospital. Everybody thought it was just a case of hyperacidity but few tests later it was confirmed that he had suffered a minor stroke, and had to be hospitalized for a couple of days.

During the course of treatment, Ishant’s anxious wife revealed that he has been a hypertensive patient for some years and had even undergone some treatment in the past. Since the insurance company was already in the loop, they decided to terminate his policy on the basis of falsification of information.

This turned out to be a double blow for Ishant. The premiums he paid were not refunded and he also had to clear the hospitals bills himself. Had he consulted us before buying the policy, we would have ensured that he understood the consequences of providing incorrect information, after all, we strongly believe that honesty is the best policy.

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Insurance Claims – Let a specialist handle them for you

Fri, 14 Aug 2015 07:05:00 GMT

Managing an Insurance claim is an intimidating task. There are many who doubt whether they will get the claim or not?