Seamless Claims Support

Navigating your insurance claims process with ease. SureWithAI is here to assist you every step of the way, ensuring a smooth and hassle-free experience.

General Claims Process Overview

Understanding the basic steps can make any claim simpler.

Step 1: Immediate Notification

Inform your insurer and SureWithAI as soon as possible after the incident (within 24-72 hours, depending on policy). Provide basic details like policy number, incident type, date, and time.

Step 2: Document Collection

Gather all necessary documents related to the incident, such as medical reports, police FIR, repair bills, or death certificates. Our team will guide you on what's needed.

Step 3: Assessment & Verification

The insurer may appoint a surveyor or conduct an investigation to verify the claim details. Cooperate fully and provide any requested additional information.

Step 4: Claim Settlement

Once verified, the insurer will process your claim. The approved amount will be disbursed directly to you or the service provider (e.g., hospital, garage) as per your policy terms.

Specific Claim Types

Details for common insurance claims:

Cashless Claims:

  1. Get admitted to a network hospital.
  2. Present your health card and ID proof.
  3. Hospital sends pre-authorization request to insurer/TPA.
  4. Insurer/TPA approves/rejects request.
  5. Treatment done. Insurer settles bill directly with hospital.

Reimbursement Claims:

  1. Pay for treatment yourself.
  2. Collect all original bills, reports, and discharge summary.
  3. Submit documents to insurer/TPA with claim form.
  4. Insurer verifies and reimburses the approved amount to your bank account.

In Case of Accident/Damage:

  1. Inform insurer immediately. Do not move the vehicle unless necessary.
  2. If third-party property/person involved, file an FIR.
  3. Insurer appoints a surveyor for damage assessment.
  4. Take vehicle to a garage (cashless garage if possible).
  5. Submit required documents. Insurer settles with garage or reimburses you.

In Case of Theft:

  1. File FIR immediately. Inform RTO and insurer.
  2. Submit relevant documents (RC, driving license, FIR, keys).
  3. Insurer processes claim after police "non-traceable" report.

Death Claim:

  1. Nominee informs insurer and SureWithAI.
  2. Submit required documents (death certificate, policy document, nominee ID/address proof, claim form).
  3. Insurer verifies and processes payment to the nominee.

Maturity/Survival Benefit Claim (for plans like ULIPs, Endowments):

  1. Insurer usually notifies you closer to maturity.
  2. Submit relevant documents (policy document, ID proof, bank details).
  3. Insurer processes and pays out the maturity benefit.

Common Required Documents

While specifics vary by claim type and insurer, keep these handy:

Original Policy Document

ID & Address Proof (of claimant/insured)

Duly Filled Claim Form

Medical Reports / Discharge Summary

Original Bills & Receipts

FIR Copy (if applicable, e.g., motor accident/theft)

Death Certificate (for Life Claims)

Vehicle RC & Driving License (for Motor Claims)

How SureWithAI Helps with Claims

We simplify the claims process for you.

Expert Guidance

Get step-by-step advice on the claims process, tailored to your specific policy and situation.

Documentation Assistance

We help you identify and organize all the necessary documents to avoid delays.

Liaison with Insurers

We act as your advocate, following up with the insurance company on your behalf to expedite the process.

Claim Status Tracking

Get regular updates on your claim status, so you're always in the loop.

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