A claim is a request for benefits under an insurance policy. The insurer assesses the request against the policy wording, facts, documents and applicable conditions before making a decision.
Start by checking the policy and notifying the insurer or authorised channel as soon as reasonably possible. Delays can make verification more difficult, especially for motor, property and hospitalisation claims.
Keep policy details, identity documents, bills, reports, discharge summaries, photographs, repair estimates and bank details ready as applicable. Submit accurate information and retain copies of everything shared.
A claim may be approved, partly approved, kept pending for more information or declined according to the policy. If you have questions, ask for the reason in writing and follow the insurer's grievance process.