How to Claim Health Insurance in India?

Posted on: Sep 1, 2025 | 3 mins | Written by: HDFC ERGO Team

How to Claim Health Insurance in India?

Gone are the days when claiming reimbursements for your medical costs was a long process. With most processes being automated, submitting your medical bills and getting reimbursed is an easy and hassle-free process today. Whether you're seeking reimbursement for hospital expenses or outpatient treatment, understanding the claim process can help you avoid delays and ensure a smooth experience. Keep reading this blog to know more about the steps to file mediclaim successfully.

Simple Steps to File a Mediclaim in India

Here, we will see in detail the steps to file mediclaim if you have received treatment from a non-network hospital:

• Step 1

Collect all your medical bills and documents. Check each bill to see if it has the basic details like the patient’s name, serial number, treatment name, treatment cost, signature of the concerned person and so on.

• Step 2

Go to the official portal of your insurance company and download the claim form. You can also get the claim form from the TPA (Third Party Administrator). Read the form carefully and furnish the correct details in the relevant fields. Get it signed by the doctor and the policyholder.

Ensure you submit the claim form to your insurance company along with copies of your medical records and other documents, as required.

• Step 3

Arrange all your medical records properly. Get a few copies of the original documents. You can submit the originals along with one set of copies while submitting your claim form. Check the signs and dates on the medical records before attaching them along with the claim forms.

• Step 4

You can now send your claim form along with all required documents (originals and copies) to your TPA. You can first get your documents checked with your TPA representative before submitting them to ensure your claims are not rejected. At the same time, you should also let your health insurance company know of the same.

Conclusion

Claiming your health insurance bills is quite an easy process if you have kept all your medical records and policy documents ready. Submit your bills on time with the relevant details and certification from the concerned authorities to ensure your claims are processed successfully, without any rejections.

That’s why investing in a reliable health insurance plan is so important; it not only eases the claims process but also provides essential financial protection during medical emergencies.

FAQs

1. What are some important documents you should submit for a health insurance claim?

Address proof, ID proof, discharge summary, all original bills related to the patient’s condition and treatment, pharmacy bills, bills of diagnostic tests, hospital bill breakup, bills of ambulance charges and other documents as required by your insurance provider should be submitted properly while submitting your claim form.

2. How can you ensure a successful processing of your claims?

On-time submission of bills, submission of all medical records correctly and knowing your coverage eligibility will ensure your claims are processed successfully.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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