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.

Read More

Get ₹5 Lac Health Insurance starts @ ₹200/month*
Tax Benefitup to Rs.75,000
Save up to 12.5%* on 2 Year Payment Plans
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on ‘View Plans’ you, agreed to our Privacy Policy and Terms of use
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    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: 29 June 2021

    Health insurance articles

    Recent Articles
    Popular Articles
    Inpatient vs Outpatient Hospitalization

    02 May 2023

    Health insurance plans often talk about two types of
    Read more
    Difference Between Individual Health Insurance and Group Health Insurance

    06 Apr 2023

    Buying health insurance has become one of our top priorities
    Read more
    Does Health Insurance Cover H3N2 Virus?

    20 Mar 2023

    The seasonal H3N2 virus is rapidly spreading across India. As per
    Read more
    Common Wellness Benefits Offered by Health Insurance Plans

    14 Feb 2023

    Health is the biggest wealth in the true sense. No matter how much
    Read more
    Should You Buy a Super Top-up Health Insurance Policy?

    18 Jan 2023

    India is abuzz with a variety of health insurance plans to cater
    Read more
    How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
    Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
    Read more
    10 Major Benefits of Ayushman Bharat Yojana
    Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
    Read more
    Does Health Insurance Provide Coverage for LASIK Eye Surgery?
    A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
    Read more
    Best Health Insurance Plans for Senior Citizens in 2023
    Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
    Read more
    Waiting Period in Health Insurance
    The waiting period in health insurance refers to the duration before which certain diseases will not be covered by
    Read more

    Download the Policybazaar app
    to manage all your insurance needs.