It is an Identity card which is issued to each and every person covered under the Health policy. This card would entitle you to avail cashless hospitalization facility at any of our network hospitals.

Policyholders are eligible for health card.

A health card mentions the contact details the TPA. In case of a medical emergency, you can call on these numbers for queries, clarifications and for seeking any kind of assistance. You need to show the health card at the hospital.

The health cards need to be renewed or re-issued during the policy tenure.

Third Party Administrator is a service provider appointed by your insurance company to provide various necessary services related to benefits mentioned in the health policy to you.

Any condition, ailment, injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and/ or received medical advice / treatments within stipulated months as mentioned in your policy prior to your first policy with us.

Pre-existing diseases are covered subject to waiting period as mentioned in your policy.

- Spouse

- Dependent Children means all unmarried children, stepchildren or legally adopted children who are above 91 days and under 23 years of age and are financially dependent on Insured

- Dependent Parents upto 70 years of age.

In case of a planned hospitalization or emergency services, use your Health ID Card at any of network hospitals and avail cashless service. In case the hospital is not listed in the network of hospital, then pay the cash and submit the claim to TPA for reimbursement with relevant documents and bills.

These are the hospitals that form part of the TPA's network to provide cashless service to you upon presentation of health-card.

Hospitals which are not part of TPA's hospital tie-up list are called Non-network hospital. The bills are settled by patient & the relevant documents and bills are then submitted to the TPA. The amount, accordingly, is reimbursed to the patient.

List is provided to you along with your health card which is issued by TPA. This list is subject to change and updated list is available on TPA website.

When you approach a hospital which is listed in the provider list of our network and disclose the health-card, hospital will pursue TPA for pre-authorization. Once the authorization is issued by TPA, you do not have to pay any money towards the covered services provided by the hospital. This is called as a cashless service.

It is a hospital request to TPA to confirm the pay ability of your illness.

In case of planned hospitalization:

Please contact your TPA helpline-Which is mentioned on the Health Identity Card. Obtain approval from the TPA.

In case of emergency hospitalization:

Family to contact TPA help-line as mentioned in the policy.

TPA will issue the letter of admissibility of the claim within 3-6 hours provided all the relevant documents are submitted.

Duly completed claim form

Original bills, receipts and discharge certificate/card from the hospital.

Original bills from chemists supported by proper prescription.

Information and evidences from the attending Medical

Practitioner/Hospital/Chemist/Laboratory as required.

The claim must be filed within 30 days from the date of discharge from the Hospital or completion of treatment.

Normally, the bills are settled within 7 working days of receiving the relevant documents.

Once you stop paying the premiums, the policy would be discontinued.

Once you stop paying the premiums, the policy would be discontinued.

Yes, there is a tax benefit available under Section 80D of the income tax act 1961. Every tax payer can avail an annual deduction of Rs. 15,000 from taxable income for payment of Health Insurance premium for self and dependants.

Yes, you can have more than one Health Insurance policy. In case of a claim, each company will pay ratable proportion of the loss.

Any number of claims is allowed during the policy period. However the sum insured is the maximum limit under the policy.

Yes, foreigners living in India can be covered under a health insurance policy. However, the coverage would be restricted to India.

Yes, foreigners living in India can be covered under a health insurance policy. However, the coverage would be restricted to India.

Yes, foreigners living in India can be covered under a health insurance policy. However, the coverage would be restricted to India.

Yes, foreigners living in India can be covered under a health insurance policy. However, the coverage would be restricted to India.

You can do a self check to see if the answers to the following questions are "YES"

Premium - is your premium check cleared by the bank?

Period - whether the insurance is in force at the time of loss?

Peril - whether the cause of loss is covered by the policy? (Perils are defined in the policy document)

If your answers to the above questions are "YES", then your loss stands covered by us, subject to policy terms and conditions.

The amount of claim generally payable depends on the type of policy, policy coverage and policy terms and conditions.However,in no circumstance will the total amount of claim exceed the sum insured of your policy..

We pay the amount to the Insured. In case of death claim, the amount is paid to the nominee of the policyholder. In case there is no nominee made under the policy, then USGIC will insist upon a succession certificate from a court of law for disbursing the claim amount. Alternatively, the USGIC can deposit the claim amount in the court for disbursement to the next legal heirs of the deceased.

It doesn't matter where the accident happens. We shall co-ordinate through our offices and network to ensure that you are guided through the procedures without any hassles.

YES

We shall take the following steps immediately once the claim is notified to us:

The investigator shall be appointed.

The investigator, after inspection shall assess the loss and inform the assessment to the insurer.

Claim processing-Within seven working days from the date of receipt of all requisite documents.

Claims Payment- Within two working days from the finalization of claim.

A form is included in the policy kit that you must have received. However for your convenience our representatives will supply the claim form for you. The claim form is available on our company website www.universalsompo.com

The benefits will depend on the extent and type of disability. (Please refer policy documents.)

No. This cover is applicable only if the disability is due to an accident. A disability caused due to a natural calamity is not covered..

No. This cover is applicable only if the death is due to an accident. A death caused due to a disease or natural death is not covered..

Basic cover - Death only

Wider cover - Death + Permanent Total Disability+ Permanent Partial Disability

Comprehensive cover - Death + Permanent Total Disability + Permanent Partial

Disability +Temporary Total Disability

Extra benefits under policy in addition to capital sum insured,

1) Transportation cost for carriage of dead body to home including funeral charges.

2) Cost of clothing damaged in the accident.

3) Ambulance charges for transportation of insured person to hospital following accident.

4) Education fund in the event of death, PTD of the proposer for up to two dependent children.

5) Loss of employment

ADD-ON Covers-(only on receipt of additional premium)

1) Medical expenses.

2) Hospital confinement amount.

THE SCOPE OF COVERAGE SHALL DEPEND ON THE BENEFIT SELECTED BY YOU AND AS DESCRIBED IN THE SCHEDULE.

No. This cover is applicable only if the death is due to an accident. A death caused due to a disease or natural death is not covered.

It doesn't matter where the accident happens. We shall co-ordinate through our offices and network to ensure that you are guided through the procedures without any hassles.

You need to obtain an FIR in any of the following cases:

Bodily Injury to any Third Party involved in the accident.

Theft of the entire vehicle or accessories, other vehicle parts.

Any loss or damage to the vehicle by miscreants, rioters, terrorists, arsonists, etc.

For all commercial vehicles.

Yes. Spot survey is compulsory for commercial vehicles.

Yes,provided you have "Own Damage" coverage under your policy. This off-course will be subject to the terms, condition and exclusion of the policy.

As per the Motor Vehicle Act 1938, no vehicle can play on public roads without the Third Party insurance coverage; Third Party insurance covers the following:

Any injury / death of third person caused by your car.

Any damage caused to the property of some other individual by your vehicle.

Only third party insurance liability coverage does not cover loss or damage to your insured vehicle.

If you are having a Theft or Act only policy, accidental damages to your vehicle would not be covered. Only Theft of vehicle is covered under Theft Policy. Similarly third part liability will be covered under Act policy..

We shall take the following steps immediately once the claim is notified to us :

The surveyor shall be appointed within 24 hours from the time of notification.

The surveyor, after inspection shall assess the loss and inform the assessment to the insured.

The surveyor shall carry out the re-inspection after the repairs are completed. Post Repairs - Non Cashless Workshop Insured have to make the payment to the workshop.

Original repair invoice and payment receipt needs to be submitted to us.

Claim amount will be settled within seven working days after receiving the final documents.

Post Repairs - Cashless Workshop

In case of USGIC Cashless Workshops, you only have to pay the difference amount as informed to you by our surveyor and the workshop shall submit their bill for the balance amount directly to us..

A form is included in the policy kit that you must have received. However for your convenience our representatives will supply the claim form for you. The claim form would also be available on our company website www.universalsompo.com

Surveyor will come to the workshop where the vehicle will be left for repairs in case it is not a Spot survey.

No problems. Our call centre will assist you to get your vehicle towed to our Cashless Workshops. However if you choose to use a garage of your choice, you shall have to arrange for the towing of vehicle and reasonable towing charges shall be reimbursed based on the policy terms and conditions..

We have no problems, but there shall be no cashless facility and you will have to make the payment to the garage in full and submit the final bills and receipt to us for processing..

You shall have to bear:

The amount of depreciation as per the rate indicated in the policy document.

Compulsory deductible under the policy.

Voluntary deductions under the policy, if you have opted for it..

In case of any claim during the insured policy period, at the time of renewal, you will loose the NCB "No Claim Bonus" that you have accrued over the years. Also there could be a loading on the premium at the time of renewal.

Immediately notify the loss to the nearest police station from the place where the vehicle was stolen and also intimate the same to us at our call centre. Our claims executive shall get in touch with you and assist you for further course of action..

If your vehicle is insured under comprehensive insurance policy and the person driving your vehicle holds a valid driving license, these damages are covered subject to terms and conditions of the policy.

Yes. If you have paid an additional premium to get coverage of Personal Accident to the insured or any named person other than paid driver or cleaner. This is usually applicable to private cars and motorized two wheelers.

If you have taken a comprehensive policy for your vehicle you are fully covered against all the accidental damages to your vehicle. Your are also covered for the Third Party liability subject to terms and conditions mentioned in the policy document.

If your vehicle under hire purchase or hypothecation is a total loss on account of accident damage or theft, the claim is paid to the hypothecator with whom the vehicle is leased/hypothecated. However, if the damage can be repaired, the claim is normally paid to the vehicle owner. If a cashless repair facility is used, then the amount is paid to the dealer where the vehicle has been repaired.

No, each loss has to be separately intimated to us and surveyed as per procedure.

No, your vehicle must first be repaired, after which we shall process and settle the claim based on the policy terms and conditions.

The insured vehicle shall be treated as a Constructive Total Loss, if the aggregate cost of retrieval and/or repair of the vehicle subject to the terms and conditions of the policy, exceeds 75% of the IDV of the vehicle. Total Loss also refers to accident damage to your vehicle where the cost of repairs amounts to more than 75% of the IDV on your policy.

The insured vehicle shall be treated as a Constructive Total Loss, if the aggregate cost of retrieval and/or repair of the vehicle subject to the terms and conditions of the policy, exceeds 75% of the IDV of the vehicle. Total Loss also refers to accident damage to your vehicle where the cost of repairs amounts to more than 75% of the IDV on your policy..

An excess is the amount first loss that you shall have to bear.

This is the amount you have opted to be deducted from claim amount at the time of purchase of insurance.

This is in addition to compulsory excess applicable by the policy..

Unless it is required by local authorities, please do not disturb the location of loss so that the surveyor can get first hand information of the circumstances of loss. In cases like fire or burglary, please lodge requisite complaints immediately to the local authorities. It is very important that you take immediate and suitable actions to minimize the loss for all concerned. Remember, it is your property and it is in your interest to ensure the loss is restricted to a minimum.

Though we shall provide all assistance to you for assessing the loss, however, a delayed notification would mean alteration of pristine circumstance of the loss and hence will entail additional enquiries and documents by the surveyor. It is in your interest to report a loss immediately and leave the burden of further procedures on us.

A surveyor is an independent professional duly licensed by IRDA who is appointed based on the nature and quantum of estimated loss to visit the accident site and procure first hand information relating to the cause and extent of loss. He shall verify the damaged property and check documents related thereto. The sooner you submit the documents requested by surveyor, the faster he finalizes his report and our claims team shall process the claim without any delay.

Never mind, inform both of us simultaneously sharing insurance details and we shall take it up with your other insurer to ensure that there is no hindrance to your claims process.

You can do a self check to see if the answers to the following questions are "YES"

Premium -is your premium check cleared by the bank?

Period - whether the insurance is in force at the time of loss?

Peril - whether the cause of loss is covered by the policy? (perils are defined in the policy document)

Property - whether the property said to be affected is insured by the policy?

Place - whether the location of loss is covered by the policy?

Person - whether you have an insurable interest in the damaged property?

If your answers to the above questions are "YES", then your loss stands covered by us, subject to policy terms and conditions.

The amount of claim generally payable depends on the value of the affected property less residual value of damaged property less under-insurance, if any, less compulsory excess as defined in your policy. However, in no circumstance will the total amount of claim exceed the sum insured of your policy.

We pay the claim to the Insured. If the damaged property is hypothecated to your banker, then we pay in the name of your banker, however, if you can obtain an NOC from your hypothecator, we have no problem in paying the claim to you.

Unless it is required by local authorities, please do not disturb the location of loss so that the surveyor can get first hand information of the circumstances of loss. In cases like Engineering or burglary, please lodge requisite complaints immediately to the local authorities. It is very important that you take immediate and suitable actions to minimize the loss for all concerned. Remember, it is your property and it is in your interest to ensure the loss is restricted to a minimum.

Though we shall provide all assistance to you for assessing the loss, however, a delayed notification would mean alteration of pristine circumstance of the loss and hence will entail additional enquiries and documents by the surveyor. It is in your interest to report a loss immediately and leave the burden of further procedures on us.

A surveyor is an independent professional duly licensed by IRDA who is appointed based on the nature and quantum of estimated loss to visit the accident site and procure first hand information relating to the cause and extent of loss. He shall verify the damaged property and check documents related thereto. The sooner you submit the documents requested by surveyor, the faster he finalizes his report and our claims team shall process the claim without any delay.

Never mind, inform both of us simultaneously sharing insurance details and we shall take it up with your other insurer to ensure that there is no hindrance to your claims process.

You can do a self check to see if the answers to the following questions are "YES"

Premium -is your premium check cleared by the bank?

Period - whether the insurance is in force at the time of loss?

Peril - whether the cause of loss is covered by the policy? (perils are defined in the policy document)

Property - whether the property said to be affected is insured by the policy?

Place - whether the location of loss is covered by the policy?

Person - whether you have an insurable interest in the damaged property?

If your answers to the above questions are "YES", then your loss stands covered by us, subject to policy terms and conditions.

The amount of claim generally payable depends on the value of the affected property less residual value of damaged property less under-insurance, if any, less compulsory excess as defined in your policy. However, in no circumstance will the total amount of claim exceed the sum insured of your policy.

We pay the claim to the Insured. If the damaged property is hypothecated to your banker, then we pay in the name of your banker, however, if you can obtain an NOC from your hypothecator, we have no problem in paying the claim to you.

Unless it is required by local authorities, please do not disturb the location of loss so that the surveyor can get first hand information of the circumstances of loss. In cases like Marine or burglary, please lodge requisite complaints immediately to the local authorities. It is very important that you take immediate and suitable actions to minimize the loss for all concerned. Remember, it is your property and it is in your interest to ensure the loss is restricted to a minimum.

Though we shall provide all assistance to you for assessing the loss, however, a delayed notification would mean alteration of pristine circumstance of the loss and hence will entail additional enquiries and documents by the surveyor. It is in your interest to report a loss immediately and leave the burden of further procedures on us.

A surveyor is an independent professional duly licensed by IRDA who is appointed based on the nature and quantum of estimated loss to visit the accident site and procure first hand information relating to the cause and extent of loss. He shall verify the damaged property and check documents related thereto. The sooner you submit the documents requested by surveyor, the faster he finalizes his report and our claims team shall process the claim without any delay.

Never mind, inform both of us simultaneously sharing insurance details and we shall take it up with your other insurer to ensure that there is no hindrance to your claims process.

You can do a self check to see if the answers to the following questions are "YES"

Premium -is your premium check cleared by the bank?

Period - whether the insurance is in force at the time of loss?

Peril - whether the cause of loss is covered by the policy? (perils are defined in the policy document)

Property - whether the property said to be affected is insured by the policy?

Place - whether the location of loss is covered by the policy?

Person - whether you have an insurable interest in the damaged property?

If your answers to the above questions are "YES", then your loss stands covered by us, subject to policy terms and conditions.

The amount of claim generally payable depends on the value of the affected property less residual value of damaged property less under-insurance, if any, less compulsory excess as defined in your policy. However, in no circumstance will the total amount of claim exceed the sum insured of your policy.

We pay the claim to the Insured. If the damaged property is hypothecated to your banker, then we pay in the name of your banker, however, if you can obtain an NOC from your hypothecator, we have no problem in paying the claim to you.

Unless it is required by local authorities, please do not disturb the location of loss so that the surveyor can get first hand information of the circumstances of loss. In cases like Miscellaneous or burglary, please lodge requisite complaints immediately to the local authorities. It is very important that you take immediate and suitable actions to minimize the loss for all concerned. Remember, it is your property and it is in your interest to ensure the loss is restricted to a minimum.

Though we shall provide all assistance to you for assessing the loss, however, a delayed notification would mean alteration of pristine circumstance of the loss and hence will entail additional enquiries and documents by the surveyor. It is in your interest to report a loss immediately and leave the burden of further procedures on us.

A surveyor is an independent professional duly licensed by IRDA who is appointed based on the nature and quantum of estimated loss to visit the accident site and procure first hand information relating to the cause and extent of loss. He shall verify the damaged property and check documents related thereto. The sooner you submit the documents requested by surveyor, the faster he finalizes his report and our claims team shall process the claim without any delay.

Never mind, inform both of us simultaneously sharing insurance details and we shall take it up with your other insurer to ensure that there is no hindrance to your claims process.

You can do a self check to see if the answers to the following questions are "YES"

Premium -is your premium check cleared by the bank?

Period - whether the insurance is in force at the time of loss?

Peril - whether the cause of loss is covered by the policy? (perils are defined in the policy document)

Property - whether the property said to be affected is insured by the policy?

Place - whether the location of loss is covered by the policy?

Person - whether you have an insurable interest in the damaged property?

If your answers to the above questions are "YES", then your loss stands covered by us, subject to policy terms and conditions.

The amount of claim generally payable depends on the value of the affected property less residual value of damaged property less under-insurance, if any, less compulsory excess as defined in your policy. However, in no circumstance will the total amount of claim exceed the sum insured of your policy.

We pay the claim to the Insured. If the damaged property is hypothecated to your banker, then we pay in the name of your banker, however, if you can obtain an NOC from your hypothecator, we have no problem in paying the claim to you.

Unless it is required by local authorities, please do not disturb the location of loss so that the surveyor can get first hand information of the circumstances of loss. In cases like Rural or burglary, please lodge requisite complaints immediately to the local authorities. It is very important that you take immediate and suitable actions to minimize the loss for all concerned. Remember, it is your property and it is in your interest to ensure the loss is restricted to a minimum.

Though we shall provide all assistance to you for assessing the loss, however, a delayed notification would mean alteration of pristine circumstance of the loss and hence will entail additional enquiries and documents by the surveyor. It is in your interest to report a loss immediately and leave the burden of further procedures on us.

A surveyor is an independent professional duly licensed by IRDA who is appointed based on the nature and quantum of estimated loss to visit the accident site and procure first hand information relating to the cause and extent of loss. He shall verify the damaged property and check documents related thereto. The sooner you submit the documents requested by surveyor, the faster he finalizes his report and our claims team shall process the claim without any delay.

Never mind, inform both of us simultaneously sharing insurance details and we shall take it up with your other insurer to ensure that there is no hindrance to your claims process.

You can do a self check to see if the answers to the following questions are "YES"

Premium -is your premium check cleared by the bank?

Period - whether the insurance is in force at the time of loss?

Peril - whether the cause of loss is covered by the policy? (perils are defined in the policy document)

Property - whether the property said to be affected is insured by the policy?

Place - whether the location of loss is covered by the policy?

Person - whether you have an insurable interest in the damaged property?

If your answers to the above questions are "YES", then your loss stands covered by us, subject to policy terms and conditions.

The amount of claim generally payable depends on the value of the affected property less residual value of damaged property less under-insurance, if any, less compulsory excess as defined in your policy. However, in no circumstance will the total amount of claim exceed the sum insured of your policy.

We pay the claim to the Insured. If the damaged property is hypothecated to your banker, then we pay in the name of your banker, however, if you can obtain an NOC from your hypothecator, we have no problem in paying the claim to you.

Step I

Call our Health Helpline 1800 200 5142 and Intimate your Claim within 24 hrs in case of emergency admission and 48 hrs prior to hospitalization in case of planned admission.

Step II

Visit Network hospital and show your Health Serve Card issued by the company along with Valid Photo ID proof and get ‘Cashless Request Form’ from Insurance helpdesk of the hospital

Step III

Fill your details in the ‘Cashless Request Form’ & submit it to the Hospital Insurance helpdesk

Step IV

Hospital verifies the patient details and sends duly filled Cashless Request Form by Fax to Universal Sompo-Health Office toll free fax 1800 200 9134

Step V

Universal Sompo – Health willreview and judge the admissibility of the Cashless Request as per Policy Terms &Conditions and the same will be communicated to you and hospital. You will be required to pay for expenses that are not payable as per the terms and condition of the policy.

Reimbursement claim is when the expenses incurred during Hospitalization or bills of Hospitalization are directly settled by the Insured with the Hospital and post discharge from Hospital claimed by the Insured from the Insurer for reimbursement.

Step I

Call our Health Helpline 1800 200 5142 or email at healthserve@universalsompo.com and inform about your Claim within 24 hrs in case of emergency admission and 48 hrs prior to hospitalization in case of planned admission.

Step II

Visit hospital and undergo your treatment. Settle your hospitalization bill and collect all original documents after discharge from hospital

Step III

Fill in Reimbursement Claim Form and submit all original documents to our below mention office for reimbursement.

Universal Sompo General Insurance Company Limited

Health Claims Management Office
5thFloor ,Assotech One
C-20/1 A, Block- C
Sector- 62, Noida
Uttar Pradesh, Pincode:201309

Click Here for list of documents to be submitted.

Step IV

On receipt of document your claim will processed as per Terms & Conditions of policy and the same will be communicated to you.

As soon as a claim occurs, please intimate to the TPA Help line/Toll free number as mentioned in your Health Card. For cashless hospital and more information kindly visit our TPA web site link mentioned below.

Our TPA will be glad to provide you services with a smile within the overall terms and conditions of your MEDICLAIM policy. Our TPA will provide you the following claims services:

• "Cashless Service" at all our Network Providers for all eligible ailments/conditions.
• Processing and settlement of claims under the MEDICLAIM policy with a time bound approach.
• 24 hours Call Centre Service.

Following information needs to be furnished by you while intimating a claim:

• Your Contact Numbers
• Policy Number and Membership ID number (as reflecting on the Health Card)
• Name of Insured person who is Sick or Injured,
• Nature of Sickness/Accident,
• Date & Time of Loss in case of accident, commencement date of symptom of disease in case of sickness,
• Location of Loss,
• Place & contact details of the Insured Person.

• To lodge a claim, you should immediately contact the Helpline numbers of the Overseas Assistance Provider providing the necessary details. The Details of the Alarm Centre are as mentioned above.
• You need to contact the Alarm Centre number while abroad as soon as possible and inform in case You will be filing - any claim, even if assistance is not required. We will not be liable to pay any claim on return back to India, that has not been informed by You, while abroad to the Alarm Centre
• The Alarm Centre, will verify the identity of the caller by asking his name passport number
• In the event of an accident or sudden illness where it is not possible to do sobefore consulting a Medical Practitioneror going to the Hospital, You shall contact the Alarm Centre as soon as possible. In either case, when being admitted as a patient, you shall show the concerned Medical Practitioneror personnel this Policy, if requested.
• In case of Financial Emergency, You shall immediately contact the Alarm Centre stating the details given on Your Insurance Policy along with the police report containing the passport number and a written statement narrating the incident of loss i.e. causes, circumstances and the place. Failure to do so may prejudice Your claim, as Our liability will only attach in case of claim supported by above documents.
• In case of Hijacking, the fact of the incident having occurred should be confirmed by the proper police authorities. The police report should contain details such as the passport number of the Insured, the period of hijack, etc. In rare casesWe may consider the other supporting documents such as a report issued by the airlines, newspaper reports, TV and other media coverage with regard to the particular hijacking incident.
• If the procedure stated above is complied with, the Overseas Assistance Provider, as the case may be, will guarantee to the service provider the costs of hospitalization, transportation for emergency services, transportation home for You and any covered accompanying person and Financial Emergency Assistance. All costs will be directly settled by the Overseas Assistance Provider on Our behalf and the same shall constitute due discharge of Our obligations hereunder.
• If the service provider does not accept the guarantee of payment from the Overseas Assistance provider, we cannot be held responsible for the same. The relevant costs will then have to be borne by you. These costs will then be considered for reimbursement by - Us or the Overseas Assistance Provider on submission of required documents.
• Reimbursement of all claims (except claims under Financial Emergency Assistance) will be made by the Overseas Assistance Provider in Indian Rupees on the insured's return back to the Republic of India, at the exchange rate specified by the Reserve Bank of India, as applicable on the date the amount is billed
• Claims under Financial Emergency Assistance shall be settled/arranged directly to You, whilst abroad, by the Overseas Assistance Provider
• In case of burglary loss at the home of the insured whilst on the trip abroad, the loss is to be intimated to the Overseas Assistance Provider in India

The company shall appoint an independent surveyor to assess the loss.

• Give immediate written notice to the insurance company about an accident to third party.
• Furnish all information and documentary evidence as the insurance company may require.
• As soon as the insurance company receives intimation about the third party claim it should be registered in the claims intimation register and investigation has to be carried out about the accident.
• To collect the relevant data with the objective to quantify reasonable and just compensation, a trained investigator is appointed by the insurance company.
• At the same time you should be submit claim form along with relevant documents.
• On receipt of intimation form Court or MACT, a competent Advocate from the panel may be appointed and a vigorous follow up should be done with him.

• Claim Form duly filled in & signed.
• F.I.R, if filed.
• Books of accounts.
• Activities carried out at other premises.
• Details of Savings in Standing Charges.
• Details of Increased Cost of Working.
• Details of trends in business.

• Original Insurance Policy / Certificate.
• Original negotiable Bill of Lading with terms printed on the reverse, Airway Bill or Inland Transport Receipt
• Original Commercial Invoice from Suppliers with copy of Packing / Weight List.
• Claim Form duly filled in and signed.
• Claim Bill on your letter head showing the amount of claim.
• Copy of Claim Notice served on Carrier/Custodians along with postal receipt and acknowledgement card.
• Copy of formal claim on the Carrier/Custodians.
• Original Repair Bills with receipt/Performa Invoice for value of items damaged / lost.
• Copies of correspondence exchanged with suppliers (reply from suppliers is a must) for short packing (if applicable).
• Letter of Subrogation cum special power of Attorney.
• Discharge Voucher.

• Original Insurance Policy / Certificate.
• Original negotiable Bill of Lading with terms printed on the reverse, Airway Bill or Inland Transport Receipt
• Original Commercial Invoice from Suppliers with copy of Packing / Weight List.
• Claim Form duly filled in and signed.
• Claim Bill on your letter head showing the amount of claim.
• Copy of Claim Notice served on Carrier/Custodians along with postal receipt and acknowledgement card.
• Copy of formal claim on the Carrier/Custodians.
• Original Repair Bills with receipt/Performa Invoice for value of items damaged / lost.
• Copies of correspondence exchanged with suppliers (reply from suppliers is a must) for short packing (if applicable).
• Letter of Subrogation cum special power of Attorney.
• Discharge Voucher.

• OCEAN TRANSIT
  • Short Landing Certificate /Non-Delivery Certificate/Landing Remarks Certificate (as applicable).
  • Quadruplicate copy of Duty Paid Bill of Entry (that is with TR-6 challan).
  • Steamer Survey report in original
  • Lost Overboard Certificate from the Port Trust countersigned by the master of the vessel or steamer agents (in respect of Loss over Board /Sling Losses).
  • Note of Protest and Mate's Receipt in case the vessel had encountered heavy weather enroute, if applicable.
  • Copy of application filed with Customs for refund of Duty (if applicable).
• AIR TRANSIT
  • Original Landing Remarks Certificate (for damage claims)
  • Original Non Delivery Certificate (for Non Delivery Claims)
  • Original Short Delivery Certificate (for Short Delivery Claims)
• INLAND TRANSIT (RAIL)
  • Open delivery Certificate or copy of application for open delivery, reply received from the Railways refusing open delivery, copy of the letter of protest sent to Railways with the acknowledgement thereto and certified extract of the remarks made in the station delivery or complaints book.
  • Original Non Delivery Certificate (for Non Delivery Claims)
• INLAND TRANSIT (ROAD)
  • Original Open delivery / Damage certificate or copy of notice given to carriers advising about survey, protest made to them (for Packages delivered apparently in damaged condition).
  • Original Non Delivery Certificate (for Non Delivery Claims)
• POSTAL TRANSITS
  • Original Non Delivery Certificate (for Non Delivery Claims)
  • Original Short Delivery Certificate (for Short Delivery Claims)
  • Original certificate of damage / loss issued by the postal authorities (for Damage Claims).
• FOR CLAIMS UNDER DUTY AND INCREASED VALUE POLICIES (IMPORTS)
  • Customs Examination Certificate.
  • Cargo insurer's claim settlement letter.
  • Customs Duty Refund Application.
  • Acknowledgement for Customs Duty Refund.
  • Proof of Market value (increased value claim).

• CATTLE/ LIVESTOCK INSURANCE:
  • Claim Form filled by the Insured
  • PM Report issued by the Veterinary Doctor
  • Photographs of the Dead Animal and Ear with Ear-tag.
  • Intact Ear-Tag removed from the Ear.
  • Health Certificate issued by Veterinary Doctor during tagging.
• FARMER'S PACKAGE INSURANCE
• Farmers Package Policy has the following Sections:
  • Fire section
  • Burglary section
  • Agricultural Pump set
  • Animal Driven Cart
  • Cattle
  • Janta Personal Accident
  • Bio Gas Plant
  • Agriculture Tractor