When a medical emergency strikes, the last thing on your mind is paperwork. But claim intimation - informing your insurer about a claim - is critical.
What Is Claim Intimation? It is the process of informing your health insurance company that you are seeking medical treatment and intend to file a claim.
Why Timely Intimation Matters:
- Cashless claims require pre-authorization
- Avoid claim rejection - insurers require intimation within 24-48 hours for emergencies
- Faster processing
Timelines:
- Emergency Hospitalization: Within 24-48 hours
- Planned Hospitalization: 4-7 days before admission
- Day Care Procedures: 24 hours before or after
- Accident Cases: Within 24 hours
How to Intimate:
- Toll-Free Helpline - fastest method
- Email to claims department
- Mobile App
- Through hospital insurance desk
If You Miss the Deadline: Contact your insurer immediately with a valid reason. Submit a written explanation with supporting medical records.
Need help with a claim issue? Contact Insurance Support for expert assistance.
Hari Kotian
IRDAI Certified Insurance Advisor | 25+ Years Experience
IRDAI Reg No: 0149161D. Helping families across Bengaluru and India with insurance advisory, claim recovery, and policy optimization since 1998.
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