Cashless claims
At a network hospital, show your health card, and the hospital coordinates with the insurer's TPA to settle bills directly. Pre-authorisation is needed for planned treatment; inform the insurer within the required window for emergencies.
Not sure how this applies to you? A free call with Vijay Singh Rana sorts it out in minutes.
Reimbursement claims
At a non-network hospital, you pay first and claim later. Keep every bill, discharge summary and report, and submit the claim form within the deadline.
Avoid these mistakes
- Not informing the insurer in time
- Missing documents or bills
- Non-disclosure at purchase (the top reason claims fail)
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Vijay Singh Rana — HDFC Financial Advisor · IRDAI & AMFI Registered
Frequently asked questions
What documents do I need?
Typically the claim form, hospital bills, discharge summary, reports and ID. Your advisor can give you a checklist.
Can Lightpost help at claim time?
Yes — lifetime claim support is part of the service.