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How to make a claim?
How does insurance compensate me for a loss?
An insurance policy compensates you against the financial impact that can arise following loss, damage or destruction of your property (such as home or vehicle) or your health or life. A fundamental principle of insurance is to put you in the same financial position after a loss or accident that you enjoyed before the loss. This is relatively easy with repair or replacement of (say) a car, but is much more difficult with the loss of a life. The insurance policy is a contract and like any contract contains clauses and conditions. Claims are settled in accordance with the conditions detailed in the policy. Insurance works on the principle that everyone is exposed to risks but they only affect a certain number of people at any one time. However, some risks occur with great frequency than others, and if they materialise they can have varying levels of impact. When you report a claim, the Insurance Company needs to check that the policy covers the loss. Once the appropriate documents are produced to verify a claim called the process of settlement is quite fast.
Who can I talk to about my claim?
If you want to report a claim or simply check if something that has happened to you is covered by you policy simply call up our toll free number: 1-600-119955. This facility is available 24 hours, 7 days a week. If you decide to make a claim the insurers claims representative will be instructed to get in touch with you. This will normally happen either within 48 hours in the main metros or within 72 hours in other cities. On receiving your call, a Claims Analyst will advise you on the procedures to complete the process of settling your claim. This Claims Analyst will be your key contact for all your requirements.
How can I get a report form?
Claim forms are normally included in the welcome pack sent to you with your policy. If you can't locate one you can download a form from the Internet or the Claims Analyst will arrange to send one to you. The Claims Analyst will also give you a list of the documents that will be required to enable speedy processing the claim. Different documents are required for various policies. Examples of the most common are given below for your reference :
| Auto | Hospital Cash | Cash Personal Accident(weekly benefit) | Death Claims | Personal Accident(Permanent Disability) |
| FIR (incase of bodily injuries/ property damage/ theft) | Attending Doctor's Report | Doctor's Report | Attending Doctor's Report | Doctor's Report |
| Bills / Cash Memos pertaining to any repairs etc. | Hospital Discharge Card/ Proof of Hospitalisation with details of treatment | Disability Certificates from the Doctor (if any) | Death Certificate | Disability Certificates from the Doctor (if any) |
| Registration Certificate / Drivers License | Investigation / Lab Reports (X-rays etc.) | Post Mortem / Coroner's Report | Investigation / Lab Reports (X-rays etc.) | |
| Original Admission / Discharge Card (if hospitalised) | FIR | Original Admission / Discharge Card | ||
| Employer's Leave Certificate specifying grade / designation | Police Inquest Report (where applicable) | Police Inquest Report (where applicable) | ||
| Salary Details | ||||
What should I do if I have a car accident?
Attend to personal injuries, secure the vehicle. Call the toll free number 1-600-119955 and register your claim. NOTE: If you utilise the services of the insurers preferred garage, you have to bear only the cost of depreciation and any self-insured elements such as the policy excess. The main cost of repair will be settled directly by the insurance company to the garage.
What should I do if I am admitted to hospital?
At the earliest appropriate time call (or have a close relative call) the toll free number 1-600-119955. Inform the Claims Analyst incase you are admitted to one of the network hospitals of our Service Provider.
What should I do if my home is damaged or I have a break-in?
First protect your property from any further loss or damage. Call the toll free number 1-600-119955 and report the loss Lodge a FIR with the Police (incase of theft / bodily injuries / third party loss). Take photographs of the damage and keep any damaged items for survey. Arrange for estimates for repair or replacement from reputable sources.
What should I do if I am injured in an accident?
At the earliest appropriate time call (or have a close relative call) the toll free number 1-600-119955 and report the accident.
How do I or my dependents claim under a life policy?
In case of Maturity of the Policy, the Maturity Value will be paid automatically to the Insured. In case of a claim during the Policy period, the policyholder has to call up the toll free number 1-600-119955.
Who can I talk to if I am not satisfied with my claims settlement?
You can contact the Tata AIG Customer Grievance Redressal Cell with your correspondence addressed to the Head of Claims. Contact phone number is 022-830 5200 and fax number is 022 6938171. Your grievance will be attended to within 2 working days. If you are still not satisfied you can write to The Chief Executive Officer, The Hongkong and Shanghai Banking Corporation Limited, India., 16 Veer Nariman Road, Fort, Mumbai 400 001 enclosing the relevant correspondence. Your case will be reviewed with the insurers and you will receive a reply with 7 working days.
