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Know How to Track General Insurance Claim Status Online

India has several general insurance companies, offering a wide range of insurance products. General insurance refers to those non-life insurance products that serve as a financial backup and comes to your aid if you suffer from a sudden loss or damages. Most of you may have purchased or been covered under at least one type of general insurance policy. Whether you have health insurance, car insurance, home insurance or travel insurance, general insurance has managed to make its way into everyone’s lives.

While buying insurance is extremely important to ensure future financial well-being, raising a claim is an integral part of any insurance. Claims allow you to get compensation or reimbursement from your insurance provider in case of unforeseen loss or damages. But in order to receive financial support from your insurer, you must raise a claim with him on time. Don’t worry! If you are clueless as to how to raise a claim with your insurance provider, we are here to help.

How to Make a General Insurance Claim?

A general insurance claim can be easily made by getting in touch with your insurance provider. You can do so by contacting your insurance company, over the phone, registering a claim through the mobile app or sending an email. To give you a better picture, here is a step-by-step procedure to raise a general insurance claim online:

  • Keep all the details of the mishap handy, such as the time & location of the incident, date of the incident, any causalities, contact details, etc.
  • Contact your general insurance company and inform them about your claim
  • Fill up the general insurance claim form
  • Arrange all the documents required to be submitted to your general insurance company,
  • Send all the documents along with the claim form to your general insurance company
  • The claims team of the general insurer will review the claim as per the coverage available to you
  • After review, the valid claim amount will be given to you

Cashless General Insurance Claims:

A few types of insurance products offered by general insurance companies offer cashless claim feature. Under this feature, you do not have to pay for anything while taking the treatment or repair services as the payment will be made directly by the insurance company.

Cashless claim feature is available under health insurance, car insurance, group health insurance, two wheeler insurance, travel insurance, commercial vehicle insurance, etc. However, the cashless claim feature can be availed differently under different general insurance products.

People with health insurance, travel insurance and group health insurance can avail cashless claim feature by getting hospitalized at a network hospital of the insurance company. As part of the feature, you have the option to avail cashless treatment at an empanelled hospital of your general insurance company. Every insurer has a wide network of empanelled hospitals. 

On the other hand, those who have a motor insurance policy, including car insurance, two wheeler insurance and commercial vehicles insurance, can get their vehicle repaired at a network garage of their general insurance provider. This will enable them to avail cashless vehicle repair services. 

The important thing to remember is that cashless claims can be made only when the treatment or repair service has been done at a network hospital or garage respectively. If you get your car repaired at a non-approved garage or get hospitalized at a non-empanelled hospital of your general insurer, you will be able to file reimbursement claims only.

How to Track the Status of a General Insurance Claim Online?

The job of a policyholder does not end with filing a general insurance claim correctly. He should regularly track the status of his insurance claim. This enables him to stay updated about the progress in his claim status and get to know of any delay or obstruction in the processing of the claim.

Most general insurance companies, provide a specific time period to process any claims filed. This claim settlement period may vary from insurer to insurer. Additionally, they will also provide the policyholder with an acknowledgement of claim submission in the form of a claim receipt or file number. You must keep it carefully as this number will help you check the status of your general insurance claim.

Several general insurance providers send timely updates to the policyholder on his registered mobile number or email id about the progress of his claim. If that’s not the case, you can check the status of your general insurance claim by following the steps given below:

  • Visit the website/ mobile application of your general insurer
  • Go to the option of tracking the claim status
  • Enter the required details in the form, such as your claim receipt/ file number, policy number, date of birth, etc.
  • Submit all the details
  • The current status of your general insurance claim will be displayed

How to Track the Status of a General Insurance Claim Offline?

A policyholder can also check the status of his general insurance claim offline. People who do not have computer/ laptop or access to the internet can use this method. All they need to do is contact their general insurance provider over the phone. Provide the details required by the representative of the insurance company, such as policy number, claim receipt number, etc. Once all the details have been provided to the concerned person, the current status of your claim will be communicated to you.

How to Deal with Different Kinds of General Insurance Claim Status?

A policyholder may come across different kinds of claim status while checking the progress of his general insurance claim. Different claim status has a different meaning and may require different actions. Take a look at the different kinds of general insurance claim statuses that you can encounter:

  • Approved - If the status of your claim shows ‘approved’, it means that your general insurance provider has approved your insurance claim. With this status, you don’t have to do anything apart from waiting for your claim amount to be paid to you.
  • Rejected - If your claim status shows ‘rejected’, you must immediately contact your general insurance company, and ask for the reason behind the rejection. If the issue can be resolved, then you may be asked to file a claim with your insurer again.
  • Under Process - If your status is ‘under process’, it means your claim has not been processed yet. In such a situation, you can check the status of your general insurance claim after a few days.
  • Details required/ Issues - If the status of claim shows an ‘issue/ details required’, then you should get in touch with your general insurance provider. Your insurer will describe the issue or may list the additional documents that they need you to submit. Once you have provided the required details and documents, the insurer will continue with the claim processing.

In the End

The whole idea behind buying a general insurance policy is to be able to get financial aid in times of need and that is only possible if you raise an insurance claim. While registering a claim with your general insurance provider, on time is crucial, keeping a track of the progress of your claim is equally important. No matter what the status of your claim may be, you can act accordingly to get your claim processed at the earliest.

Written By: PolicyBazaar - Updated: 21 August 2020

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