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Claim FAQ

Frequently Asked Questions

A formal request submitted by an individual or entity to an insurance company for compensation or coverage of damages or losses as outlined in the insurance policy.

To initiate the claim process, you have to inform the insurance company about the incident that led to the claim and formally submit the claim request. Subsequently, the insurance company conducts a thorough assessment of the claim. However, with Policy Wings, A dedicated Relationship Manager will be assigned to handle a specific case and provide assistance throughout the entire process, from filing the claim to achieving a final settlement.

The specific documentation needed for a claim may vary depending on the type of claim being filed. In general, you may be required to provide the following:


1 . Original policy document .

2 . Completed claim form.

3 .  Copy of the police report (for motor insurance claims).

4 .  Medical bills and reports (for health insurance claims)

5 .  Proof of loss or damage, such as photographs or repair estimates.

Most claims are settled within 30 days from the date of receipt although claim settlement can vary depending on the complexity of the claim.

Policy Wings is dedicated to providing you with comprehensive assistance, including: Review and Analysis, guidance and Advice, Negotiation and Timely Communication, Maximising Claim Success.

You are not customers, you are family to us and as a family we are responsible to ensure a smooth claim process and we work hard beyond our limits for our family.

Claims can only be filed for damages or losses that occurred during the period for which the insurance policy was active. If your policy has lapsed, it may not be possible to file a claim for damages or losses that occurred after the policy lapsed.

“Honesty is the best policy” never ever lie; please always provide all the correct and best to the knowledge details to the insurer while buying the policy.

Cashless claim allows the insured to avail medical treatment at a network hospital without paying any extra charges*, and the insurance company settles the bill with the network hospital

Yes, some policies may provide coverage for pre-existing conditions after a waiting period. Although it is suggested to carefully review your policy terms and conditions to understand the coverage for pre-existing conditions.

In most cases, once a claim is filed, it cannot be withdrawn or cancelled unilaterally. However, in such situation, you can inform the insurance company in writing, and they may consider your request.

A No-Claim Bonus (NCB) is a discount on the premium offered by the insurance company as an incentive for policyholders who do not make any claims during the policy period. NCB can accumulate over consecutive claim-free years and can result in substantial premium discounts when renewing the policy.

It's crucial to submit a claim as soon as you can follow an event since your insurance policy can have time restrictions, delay in filing a claim may result in the claim being rejected.

You can connect with our team of Policy Wings experts, who will carefully listen and understand your concerns, and provide you with appropriate suggestions accordingly

Yes, it is generally recommended to report any incident or damage, even if it seems minor, to your insurance provider. Always review your insurance policy and follow the guidelines on reporting claims.

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