Health Knowledge

How Does the Health Insurance Claim Process Work in India?

In the wide world of healthcare, having health insurance can really save the day when unexpected medical issues pop up. But it’s super important to grasp how the medical insurance claim process works in India so you can make the most of your policy. From starting a claim to getting it sorted out, here’s a detailed guide to help you figure out the ins and outs of health insurance claims.

How do Health Insurance Claims Work?

Medical insurance claims serve as a lifeline when medical expenses threaten to drain your savings. The process typically unfolds in a series of steps:


When you or a covered family member requires medical attention, start by seeking treatment at a network hospital recognised by your insurance provider.

Intimation to Insurer:

Notify your insurance company about the hospitalisation within the stipulated time frame. This can be done through a toll-free number, online portal, or mobile application. Ensure you provide accurate details such as policy number, patient’s name, hospital details, and nature of illness or injury.


In cases of planned hospitalisation, obtain pre-authorisation from your insurer. This step involves submitting relevant medical documents to assess the necessity and estimated cost of treatment. Failure to obtain pre-authorisation may lead to claim rejection or reduced settlement.

Treatment and Documentation:

During hospitalisation, focus on recuperation while ensuring all medical procedures, tests, and treatments are documented meticulously. Retain original bills, discharge summaries, prescription receipts, diagnostic reports, and any other relevant documents for claim processing.

Claim Submission:

After discharge, gather all necessary documents and submit them to the insurance company or Third Party Administrator (TPA) along with a duly filled claim form. Online submission options may also be available for added convenience.

Claim Assessment:

Upon receiving the claim documents, the insurer assesses the authenticity and eligibility of the claim. This involves verifying the policy coverage, medical necessity, and adherence to policy terms and conditions.

Claim Settlement:

Once the claim is approved, the insurer disburses the claim settlement amount to the policyholder or directly to the hospital, depending on the type of claim and policy provisions.

Documents Required to Make a Health Insurance Claim

Accurate documentation is the cornerstone of a successful medical insurance claim. Here’s a checklist of essential documents typically required:

  • Duly filled claim form: Obtain the claim form from your insurer and fill it accurately with all relevant details.
  • Original Bills and Receipts: Preserve original bills and receipts for hospitalisation expenses, including room charges, doctor’s fees, surgery costs, medication bills, etc.
  • Discharge Summary: A comprehensive discharge summary provided by the hospital detailing the diagnosis, treatment administered, and follow-up instructions.
  • Diagnostic Reports: Copies of all diagnostic tests, such as X-rays, MRIs, CT scans, blood tests, etc., supporting the diagnosis and treatment.
  • Prescription Receipts: Receipts for medications prescribed during hospitalisation or post-discharge.
  • Pre-authorization Letter (if applicable): In cases of planned hospitalisation, include the pre-authorisation letter issued by the insurer.
  • Policy Documents: A copy of your healthcare insurance policy for reference and verification of coverage details.
  • KYC Documents: Proof of identity and address of the insured as per KYC norms.

Benefits of Making a Health Insurance Claim

Health insurance claim process offers numerous advantages, including:

Financial Protection:

Medical insurance claim process provides financial cushioning against exorbitant medical expenses, ensuring you don’t have to dip into your savings or incur debts during medical emergencies.

Access to Quality Healthcare:

With insurance coverage, you can avail yourself of treatment at renowned hospitals and access advanced medical facilities without worrying about the associated costs.

Peace of Mind:

Knowing that you have a reliable safety net in the form of medical insurance brings peace of mind, allowing you to focus on recovery without the stress of financial burdens.

Tax Benefits:

Premiums paid towards healthcare insurance policies are eligible for tax deductions under Section 80D of the Income Tax Act, further incentivising the purchase of insurance.

Cashless Treatment:

Many medical insurance policies offer cashless facilities wherein the insurer settles the hospital bills directly with the network hospital, sparing you the hassle of making upfront payments and seeking reimbursement.

Coverage for Critical Illnesses:

Certain insurance plans offer coverage for critical illnesses, providing lump-sum payouts upon diagnosis, which can be instrumental in covering treatment expenses and loss of income.

Understanding the Claim Settlement Process

While the health insurance claim process offers a safety net, navigating the claim settlement process requires diligence and awareness. Here are some tips to streamline the process:

Understand Your Policy:

Familiarise yourself with the terms and conditions of your medical insurance policy, including coverage limits, exclusions, waiting periods, and claim procedures.

Prompt Intimation:

Notify your insurer about hospitalisation or planned treatments as soon as possible to avoid claim rejection due to delayed intimation.

Accurate Documentation:

Ensure all documents submitted are accurate, complete, and legible to expedite the claim assessment process.


Stay proactive by following up with the insurer or TPA regarding the status of your claim. Timely communication can help address any discrepancies or delays in settlement.

Review Settlement Details:

Before accepting the claim settlement, review the details carefully to ensure the accuracy and adequacy of the amount disbursed.

Seek Clarifications:

In case of any doubts or discrepancies, don’t hesitate to seek clarifications from your insurer or consult a knowledgeable advisor for guidance.

Final Thoughts

Understanding the intricacies of the health insurance claim process is essential for maximising the benefits of your policy. By adhering to the prescribed procedures, maintaining accurate documentation, and staying informed about your policy coverage, you can confidently navigate the claim settlement process and ensure financial security during medical contingencies.

Whether it’s seeking pre-authorisation, submitting claim documents, or reviewing settlement details, each step plays a crucial role in facilitating a smooth and hassle-free claim experience. By leveraging medical insurance benefits, you can safeguard your health and financial well-being, providing invaluable peace of mind in an uncertain world.

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