There is no limit to the number of claims you can make on your health, motor and other general insurance policies. However there always is a limit on the cover provided by the insurer per year. So as long as the sum of multiple claims stay within the overall coverage limit and as long as they are found genuine by the insurer, you would not have any issue getting the claim.

This question does not arise for life insurance for obvious reasons.

Typically, there’s a certain duration after a policy goes into effect, wherein claims are not entertained. Typically, that is 30 days, and also known as cooling period. During this period no claims are entertained.

Also, many policies have longer no-claim periods for certain scenarios. For example, in case of health insurance policies, typically pre-existing ailments (at the time of buying the policy) are not covered for a period of one year. This could be slightly lower (like 9 months) or higher like 2 years in case of maternity-benefit plans.

It is advised that you carefully note the no-claim period/waiting period and its terms and conditions before signing on the dotted line.

Insurance companies reward their clients with a no-claim bonus in subsequent premium(s) if the client has not had any claim(s) in the preceding policy term. This goes as a direct discount in the subsequent/next premium.

The process to apply for claim may vary by policy type and insurance provider.
Below is a generic process that is followed by almost all insurance firms with minor variations.

In the unfortunate event of the death of the policyholder, their nominee, or a family member or their insurance agent must file a claim as soon as possible.

The claim intimation letter to the insurer should include:

  • Date, place & time of death
  • Cause of death

Once the claim intimation letter is received by the insurer, they will ask for:

  • A completed insurance claim form, that they will provide
  • Death Certificate
  • Policy document
  • Deeds of assignments/ re-assignments if any
  • Legal evidence of title, if the policy is not assigned or nominated
  • Form of discharge executed and witnessed
  • Additionally, other optional documents may also be asked for:
    • Medical attendant’s certificate
    • Hospital certificate
    • Employer’s certificate
    • Police report (if applicable)
    • Post mortem report etc.

Upon processing the insured amount will be released to the nominee/assignee.

In case of a life insurance policy maturing, the insurer will send an intimation letter to the policyholder, along with a discharge voucher at least 2-3 months prior to the policy maturity date

The policyholder needs to sign the discharge voucher, along with the signature of a witness, and send it back to the insurance firm , along with the original policy document. Do not forget to make a copy of all of this before you send out the originals.

Upon processing, the insurance firm will release the amount to the assignee.

Non-life claimsv

Auto insurance claims:

A claim under auto insurance could be in either or both of these categories:

  • 3rd-party claim: This pertains to personal injury or property damage to someone else. This type of cover is mandatory to have
  • 1st party/own claim: This pertains to damage to your own insured vehicle. This is applicable only of you have taken a comprehensive policy for your vehicle

3rd-Party claim: In a 3rd-party claim, if you vehicle is involved, please report the accident immediately to the police as well as your insurer. They will reach out to you and make the necessary provisions post the required paperwork.

In case, you are the victim with someone else’s vehicle, take their insurance details and contact their insurance company immediately.

1st-Party/own damage claim: In case where you own vehicle is damaged, inform the police (if required basis the severity of the accident) and your insurer immediately.

Wait for police and/or insurance company’s advice before moving the vehicle from the accident spot.

If you have a cashless policy, your insurance company will take care of the payments directly to the garage. If not, they will reimburse you against producing the actual bill from the garage, subject to deductibles and other conditions.

In case your vehicle gets stolen, inform the police, the insurance company as well as your local transport department office. You may need to fill the requisite forms, and submit the vehicle keys along with other documents, with the insurer in order to make a claim.
Health Insurance Claims

Your health insurance claim can settled in either of the following ways depending on the kind of policy you have:

  • Cashless basis
  • Reimbursement basis

Cashless basis: In order to avail the cash claim facility, you must avail treatment at a network hospital of your designated TPA (Third Party Administrator). The hospital insurance department typically will facilitate the application process with your TPA and will confirm once the claim is approved. Once approved the insurance firm will directly settle the bills (subject to coverage and deductibles) with the hospital via the TPA.

Reimbursement basis: In case you do not have a cashless settlement facility on your policy, or if you choose to get treatment at a non-network hospital (as per your TPAs list), you will have to settle the bills yourself with the hospital. Inform your insurer/TPA immediately upon getting admitted, and fulfil the requisite process of filling forms, submitting required documents etc. Upon discharge, you would be required to submit all the bills, discharge summary, prescriptions etc. with the TPA/insurer, who will reimburse your cost subject to T&Cs and deductibles.

Property insurance can take many forms. It could be for your house, or household goods being transported etc.

In the case of a claim situation arising, please read the Warranties and Conditions of your policy document and proceed as advised. Typically losses due to theft, fire or natural calamities may also require a police report.

Travel insurance policies are package policies which cover multiple facets while you are travelling out of your home country. They typically cover:

  • Medical costs while on travel, including but not limited to hospitalization
  • Personal accident
  • Loss/damage of baggage
  • Loss of passport etc.

The coverage for the above mentioned may vary from policy to policy. So it is advisable to read your policy document beforehand and make a note of the coverage and procedures.

Depending on the policy, in case of a claim scenario, you may need to reach out to their representative in the country of travel or another country. Keep a list of required documents and keep them handy as and when required by the insurer.

Sr No Name of the TPA Reg. no. CoR - Valid up to Name of CAO/CEO / Address Contact Details
1 United Health Care Parekh
Insurance TPA Private Limited/
No. 002 20.03.2020 Mr. Shiva Belavadi
Chief Executive Officer,
3A Gundecha Enclave,
Kherani Road, Saki Naka,
Andheri (East),
Mumbai – 400 072
Phone: 022-28532400
Fax : 022-2852 7776
E mail: [email protected]
2 Medi Assist
Insurance TPA Private Limited
No. 003 20.03.2020 Mr. Ganesh K
Chief Administrative Officer
Tower D, 4th Floor,
IBC Knowledge Park, 4/1,
Bannerghatta Road,
Bangalore, 560026
Phone: 022-28532400
Fax : 022-2852 7776
E mail: [email protected]
3 MDIndia Health
Insurance TPA Private Limited
No. 005 20.03.2020 Mr. Suresh V. Karandikar
Chief Executive Officer
S.No. 46/1 E-space A-2 Building,
3rd Floor, Pune-Nagar Road,
Vadgaonsheri, Pune – 411 014.
[email protected]
Fax : 020-25300003
4 Paramount
Health Services &
Insurance TPA Private Limited
No. 006 20.03.2020 Dr. Nayan Shah
Plot No. A-442, Raod No. 28,
MIDC Industrial Area,
Wagle Estate, Ram Nagar,
Near Vitthal Rukhmani Mandir,
Thane (W), MS - 400 604.
Fax : 022-66444754/755
E-mail: [email protected]
5 Heritage Health
Insurance TPA Private Limited
No. 008 20.03.2020 Mr. Manas Chakraborty
NICCO HOUSE ( 5th Floor)
2, Hare Street
Phones: 033-22482784, 22486430,
Fax: 033-22100837/ 22310287
e-mail: [email protected]
Toll free 1088-345-3477
6 Family Health
Plan Insurance TPA Limited
No. 0013 20.03.2020 Ms. G. Bharathamma CEO
M/s Family Health Plan Ltd.
Ground Floor, F1,
Srinilaya, Cyber Spazio,
Road No. 02, Banjara Hills,
Hyderabad – 500 034.
[email protected]
Fax : 040-23541400
7 Raksha Health
Insurance TPA Private Limited
No. 0015 31.03.2020 Mr. Pawan Bhalla
Chief Executive Officer
C/o Escorts Corporate Centre
15/5, Mathura Road, Faridabad, Haryana – 121 003
0129-2564057, 2564083, 2250000
[email protected]
[email protected]
Fax: 0129-4018012/ 2250002
8 Vidal Health
Insurance TPA Private Limited
No. 0016 15.05.2020 Ms. Sudha Suhas Kulkarni
Chief Administrative Officer,
Tower 2, 1st floor, SJR I Park,
Plot No. 13,14,15, EPIP Zone, Whitefield, Bangalore - 560 066.
[email protected]
Fax : 080-28418216/17
Toll free: 1800 345 4051
9 Anyuta Insuance
TPA In Health Care Private Limited
No. 0017 15.05.2020 Ms. Ratna Seetarama
Chief Administrative Officer, No.: 31/18, Main Road, Loyola Layout, Ward No. 111, Shanthala Town, Bangalore - 560 047.
Landline / Fax : 080-41128311 / 25364766
[email protected], [email protected]
website :
10 East West
Assist Insurance TPA Private Limited
No. 0018 15.05.2020 Mr. Neeraj Batra
Chief Executive Officer
404 & 602 DLF Place, saket, 4th Floor, Mall Office Block, District Centre, Saket, New Delhi – 110017
FAX: 011-47222640
[email protected] [email protected]
Toll free no. 1800-1111-46
11 Medsave Health
Insurance TPA Limited
No. 0019 14.05.2020 Mr. S. Aravamuthan
F-701A, Lado Sarai, Behind Golf Course, Mehrauli New Delhi – 110 030
011-29521061-66, 39001234
Fax – 29521067/71
Email: [email protected]
Website :
12 Genins India
Insurance TPA Limited
No. 0010 10.06.2020 Mr. Subhash Chander Khanna,
Chief Administrative Officer
D-34, Ground Floor, Sector-2
0120- 4144 123 (10 lines)
Fax -4144 170/ 171
[email protected]
Fax : 0120-2430064
Toll free no.-1600-345-3323
13 Alankit Insurance TPA Limited No. 0021 17.11.2020 Mr Bodh Raj Punj
Director & Chief Executive Officer
Flat Nos.201 Second Floor, Vikas Surya Mall Sector-3, Rohini, NEW DELHI - 110 085
011-49355621 to 49655627
e-mail:[email protected]
Fax : 011-49355620 & 49355630
14 Health India
Insurance TPA Services Private Limited
No. 0022 17.11.2020 Mr. Kamaljeet Gupta
CAO and Joint MD
Anand Commercial Co. Compound, 103-B L B S Marg, Gandhi Nagar, Vikhroli ) Mumbai 83 5
022-42471900 (80 lines)
fax 022-42471910/911/946, 25783382
e-mail: [email protected]
15 Good Health
Insurance TPA Limited
No. 0023 26.01.2021 Ms. Saigeeta Dikshit,
Chief Administrative Officer,
8-2-1/8/1, S.V.R. Towers, 4th Floor, Srinagar Colony Road, Panjagutta Hyderabad – 500 082.
040 – 66825001/003, 23735006
Fax : 040-66828081/88 /89
e-mail: [email protected]
16 Vipul Medcorp
Insurance TPA Private Limited
No. 0024 28.02.2022 Mr. Rajan Subramaniam
Chief Executive Officer,
515, Udyog Vihar, Phase V, Gurgaon – 122 016
Ph : 0124-2438270-75
Fax: 0124- 2438276
e-mail: [email protected]
17 Park Mediclaim
Insurance TPA Private Limited
No. 0025 27.09.2022 Sh NK Malhotra
702, Vikrant Tower Rajendra Place New Delhi-110008
Tel: 4153 9498 (4 lines) 25747454-55
Fax: 41539390-91
Email : [email protected], [email protected]
Website :
18 Safeway Insurance TPA Private Limited No. 0026 19.07.2020 Mr. Mahesh Sharma ,
815, Vishwasadan, District Centre, Janakpuri, New Delhi-1100058
Tel.: 011-45451300
Fax.: 022-66466797
E-mail: [email protected], [email protected]
19 Anmol Medicare Insurance TPA Limited No. 0027 26.10.2020 Mr P. S. Kshatriya
Chief Executive Officer
No. 3, 2nd Floor, NBCC House, Near Shajanand College, Opp. Stock Exchange, Ambavadi, Ahmedabad – 380015, Gujarat
Tel.: 079-40009926, 40009936, 40009999
Fax.: 079-40009990
E-mail: [email protected]
20 Grand Insurance TPA Private Limited No. 0029 15.05.2021 Mr Bibhutosh Chattopadhyay
Chief Administrative Officer
45A Hindustan Park, P.S. Gariahat Kolkata 700 029 West Bengal
Tel: 033- 40274747
Mobile number: 9830063492 / 9051288050
Toll Free number 1800 102 4747
Fax Number 033-400433344
E-mail- [email protected],
[email protected]
21 Rothshield Insurance TPA Limited No. 0030 15.07.2021 Ms. Janki M Bhate
Chief Executive Officer,
402 Raheja Chambers, Nariman Point, Mumbai 400 020
Tel: 022- 2202 2147/22048144
Fax Number 022-2285 4415/ 39167430
E-mail- [email protected]
Toll free: 1800 22 8144
22 Ericson Insurance TPA Private Limited No. 0035 18.12.2021 Dr. Krishna P. Jaiswal,
11-C, Corporate park, ST Road, Chembur, Mumbai - 400 071 (MH)
Phone 022 - 25280280
E-mail: [email protected]
Toll Free line: 1800222034
Toll Free FAX: 022-25270200
23 Health Insurance TPA of India Limited No. 0036 05.06.2020 Mr. SK Mehra,
Health Insurance TPA of India Limited 2nd Floor,Majestic Omnia Building, A-110, Sector-4, Noida, (UP) PIN : 201301
Phone: 0120-4765800
Fax: 0120-4765899
e-mail: [email protected],
[email protected]
24 Vision Digital Insurance TPA Private Limited No. 0037 24.06.2021 Mr. Malay Kumar Lala,
Address: Tower House, 2A, Chowringhee Square, 5th Floor, Kolkata 700 069, India
Phone no: +91 33 4004 0409
Toll free no: 1800-419-9982
Fax: +91 33 2290 1918
Email: [email protected]
25 Happy Insurance TPA Services Pvt. Ltd** No. 0034 18.11.2018 Mr. Sushil Poddar,
Happy lnsurance TPA Services Pvt. Ltd., 7th Floor, Happy House, 21, Camac Street, Kolkata - 700 016 (West Bengal)
Note: Registrations are valid for a period of three years from the date of issue/ renewal, unless suspended / cancelled .

Note: Pursuant to the Hon'ble Supreme Court Order dated 16th Sept 2019 and Hon'ble SAT Order dated 27th Feb 2019, the Certificate of Registration of Happy Insurance TPA Services Pvt. Ltd. was renewed for a period of three years, i.e, from 19-11-2015 to 18-11-2018 on 4th October 2019.