By continuing, you agree to LoansJagat's Credit Report Terms of Use, Terms and Conditions, Privacy Policy, and authorize contact via Call, SMS, Email, or WhatsApp
Disclaimer: The information published on LoansJagat is intended for general informational and educational purposes only and should not be considered financial, legal, or investment advice. Interest rates, loan terms, statistics, and other data may change over time and may vary by lender or source. Please verify the latest information and consult a qualified financial advisor or the respective Bank/NBFC before making any financial decisions.
Apply for Loans Fast and Hassle-Free
Subscribe Now
About the author
LoansJagat Team
‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.
Related Blog Post
Simplify All Your Loans Into One Affordable EMI
Customers Served
Debt Consolidated
1200+ Reviews
Locations in India
Club all Loans & Credit Card Bills into Single EMI
Quick Apply Loan
Consolidate your debts into one easy EMI.
Takes less than 2 minutes. No paperwork.
10 Lakhs+
Trusted Customers
2000 Cr+
Loans Disbursed
4.7/5
Google Reviews
50+
Banks & NBFCs Offers
Other services mentioned in this article
Key Takeaways:
Buying the insurance doesn’t always mean paying the premiums and keeping the policy active. The real purpose of insurance is served when something unexpected happens, and you need to make a claim. But most insurance companies skip the part of teaching us how to do that?
Basically, the process of insurance claim and informing the insurer is called Claim Intimation. In simple words, informing your insurance company regarding an unforeseeable circumstance is what Claim Intimation means.
Assume it as a message sent by you to your insurer regarding the incident that happened to you, and you need a claim. Many insurance companies, such as Tata AIG online motor claim intimation, also provide digital options tracking and initiating claim through their website.
Let’s understand it with an example.
Meet Sejal. A 26-year-old banker living in Pune. On a Friday morning, Sejal got ready for her office and was about to leave the house. She usually travels in a cab or private transport, but as she had to go to a party after work, she took her car.
Before leaving the house, Sejal forgot to check the car's tire pressure and brakes. After some time, she found difficulty in driving and suddenly lost control. She tried to stop the car by hitting it into a light pole. Because of the airbags, she was safe. Unfortunately, the car was busted. But our Sejal is a smarty pants!
She had purchased insurance from SBI Motor Claim Intimation online. The first thing she did after the crash was to text the car insurance company and tell them everything about the incident. The insurer asked her to submit some simple documents and proof of the incident, and BOOM! The claim was directly transferred to her.
If she had not informed the insurance company, maybe the process would have been more difficult and time-consuming. Be like Sejal. Claim Intimation simply means take action, raise your hand, and make a better choice.
Most people might get carried away with whatever reason the incident happened, but the insurance companies have a strict regulation for informing in a timely manner. Insurance companies have a set time period for the Claim Intimation. However, the time limits may vary as per the type of policy.
Here are some pointers that will clearly explain to you how Claim Intimation can change a circumstance:
After reading the above table, you might have understood why it is important for you to start the claim process as soon as possible. This can help you avoid unnecessary problems or worse rejection.
Bonus Tip: If you are applying claim intimation star health, it must be done immediately or within 24 hours. If you have pre planned the claim make sure to inform the company 7-10 prior.
During the whole process of the insurance claim, many steps take place. One of them is submitting certain documents and details for the verification process.
Here is the information that most insurance companies usually ask for:
Avoiding Claim Rejection
*T&C Apply
The details may vary depending on the insurer. Major companies like Claim Intimation ICICI Lombard & Claim Intimation Start Health ask for official paperwork only.
If you want to claim motor vehicle insurance, the company will ask you about when, where, and how the accident happened. Meanwhile, if it is health insurance, you will need to provide official hospital prescriptions and records.
It is not necessary to submit the documents at the very moment. You can inform first and submit the documents after a moment or during the claim process, as suggested by the insurer.
As you now have a deeper knowledge of the Claim Intimation and how it is done, here is the whole process. Once you have informed the insurance company about the claim, the next step after that is:
The process of an insurance claim can become easier and quicker if the intimation is made correctly and on time.
The term Claim Intimation may seem very complicated. However, in reality, it is just the first step of claiming insurance benefits from the insurer. It just means informing the insurance company about the incident.
It doesn’t matter if it is health, motor, or life insurance; timely intimation can make the process much easier and avoid unnecessary complications. Just by taking a small step, you can make a huge difference in how smoothly your claim process goes.
Before purchasing any kind of insurance, make sure the company is reliable to avoid fraud. Go for government-verified companies, as they also provide online claiming options. Some of the online platforms available are Tata AIG Online Motor Claim Intimation, Claim Intimation ICICI Lombard, & SBI Motor Claim Intimation Online.
In case you are also thinking of purchasing an insurance policy, it is better to know what you have to do when you need it the most. Once a wise man said, “Insurance tabhi kaam aata hai jab aap usko sahi tareeke se use karo”.
Can an insurer reject a claim due to late intimation?
Some insurance companies have a time limit for making a claim intimation. In case you exceed the time limit, you can face consequences and even rejection of the claim.
How to claim insurance? Do’s & Don’ts when claiming.
To claim insurance, you can contact the insurer directly or also register for the same through websites, apps, and helpline numbers of the company. While claiming, make sure you inform the company ASAP and provide accurate information.
What is the difference between a claim intimated and a claim accepted?
Claim Intimation is the process of informing the insurer about the incident that has happened. Meanwhile, a claim accepted means the insurance company has verified your details and approved the claim payment.
What will be the claim intimation process if a person is covered by two health insurance policies simultaneously? How will the final claim be settled?
Firstly, you must inform both companies regarding the intimation. Mostly, one insurance company is treated as the primary and pay claim first. However, if the claim amount is higher than both, the companies will compensate.
Can I intimate a claim online?
Yes. Many companies offer Claim Intimation through the website, mobile apps, emails, and via helpline numbers too.
