The hardest part of insurance is the claim — and that's exactly where Assurmate stands with you. We handle the process end to end so you're never alone.
Tell us about the claim as early as possible — we register it correctly with the insurer.
We tell you exactly which documents are needed and help you compile them.
We coordinate with the insurer's team and surveyor and keep things moving.
We review the assessment and push back on unfair deductions or rejections.
Cashless approval or reimbursement — tracked transparently until it's closed.
We represent you, not the insurer — and argue your case for a fair outcome.
We tell you what to do and what to expect, in plain language, at every stage.
We handle the paperwork and follow-up so you can focus on what matters.
The exact list depends on the policy and claim — we'll confirm yours. Keep these handy to speed things up.
Share the basics and our claims team will call you to take it from here.
As early as possible — ideally within 24–48 hours of hospitalisation, accident or loss. Many policies require timely intimation, and early notice gives us the best chance of a smooth, cashless settlement. If in doubt, call us first and we'll guide you.
Cashless means the insurer settles the bill directly with a network hospital or garage, so you pay little or nothing upfront. Reimbursement means you pay first and claim the amount back later with bills and documents. We help you pursue whichever route applies to your situation.
Don't give up. We review the reason, check it against your policy wording, and where it's unfair we help you contest it — including escalating through the insurer's grievance cell and, if needed, the IRDAI Bima Bharosa portal or Insurance Ombudsman.
No. Claims support is part of being your broker. There is no extra fee — we're paid by the insurer on the policy, and standing by you at claim time is exactly what that's for.
Even if you didn't buy through us, talk to our claims team — we'll tell you how to get it moving.
