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Useful information

Everything you need at claim time

The documents to keep ready, and the practical do's and don'ts that make the difference between a claim that settles smoothly and one that gets stuck.

Health claim documents Motor claim documents Motor do's & don'ts Health do's & don'ts Why you need cover
Claim documents

What to keep ready when you claim

Having the right papers in order is the single biggest reason claims settle quickly. Keep these handy — and call us if anything is unclear.

Health InsuranceDocuments required for a health insurance claim

Cashless claim

  • Pre-authorisation form, filled and signed at the hospital
  • Health insurance card / e-card and policy number
  • Photo ID and address proof of the patient (Aadhaar / PAN)
  • Doctor's consultation papers and advice for admission
  • Investigation and diagnostic reports supporting the treatment

Reimbursement claim

  • Duly filled and signed claim form
  • Original hospital bill with detailed break-up and payment receipts
  • Discharge summary from the hospital
  • Doctor's prescriptions and consultation papers
  • All diagnostic, lab and imaging reports
  • Pharmacy bills with matching prescriptions
  • Copy of policy, photo ID and address proof
  • Cancelled cheque or bank details for NEFT
  • In accident cases: FIR or MLC copy
Motor InsuranceDocuments required for a motor insurance claim

Own-damage claim

  • Duly filled and signed claim form
  • Copy of the vehicle Registration Certificate (RC)
  • Copy of the driving licence of the person driving
  • Copy of the insurance policy
  • Photographs of the damage, taken at the accident spot
  • Repair estimate from the garage
  • Final repair invoice and payment receipt
  • Cancelled cheque or bank details for NEFT

Additional, case by case

  • Third-party damage or injury: FIR copy is compulsory
  • Theft: FIR, original RC, both sets of keys, RTO transfer papers and the police non-traceable report
  • Major accidents: FIR and, where applicable, a police panchanama

Requirements can vary slightly between insurers. Call us on 96067 12138 and we'll confirm exactly what your insurer needs.

Motor insurance

Do's and don'ts

Small habits that protect your claim — learned from the claims we settle every week.

Do's for motor insurance

  1. Take a snap of the vehicle at the accident location itself — even if the vehicle has been parked aside.
  2. Register the motor claim within 2–3 days of the accident.
  3. If there is any third-party damage, contact your insurance advisor first.
  4. While purchasing the policy, check the eligible add-ons and coverages.
  5. If you have opted for roadside assistance, take the towing from the company when your vehicle breaks down.

Don'ts for motor insurance

  1. Once you have registered the claim, don't change the reason for the accident.
  2. Don't buy insurance based on the premium alone.
  3. Don't let your policy expire before renewing — a re-inspection will be done and every single damage will be accounted for.
  4. Don't drink and drive. If you do, the claim will not be paid.
  5. Never sign blank proposal forms or written agreements with the insurance company before reviewing your policy.
Health insurance

Do's and don'ts

Get these right when you buy — and when you claim.

Do's for health insurance

  1. If you are unwell, first consult a doctor online or at a nearby clinic — and keep the consultation paper safely.
  2. For planned surgeries, take initial approval before admission.
  3. For a reimbursement claim, register the claim before discharge.
  4. For reimbursement, submit documents to the company within 15 days from the date of claim registration.
  5. Understand the policy features, benefits, exclusions and coverage before making a decision.
  6. Purchase your policy through an advisor — you will have support during claims, endorsements and any changes.

Don'ts for health insurance

  1. Don't buy insurance based on the premium alone.
  2. Don't hide pre-existing diseases or any hospitalisation history while taking a policy.
  3. Don't let your policy expire before renewing — the moratorium period will not be completed.
  4. Don't rely solely on employer coverage. Corporate plans usually offer limited cover and end when you leave the job. Always keep a separate, personal policy.
  5. Don't try to take a policy when you already have a planned surgery. Buy the policy before anything arises.
Why it matters

Why you need the cover

Why is health insurance needed?

No one knows what tomorrow holds. If you or a family member is hospitalised unexpectedly, you may have to dip into your hard-earned savings — or even take a loan — to cover the medical expenses. A health insurance policy protects you from this financial burden, giving you peace of mind when you need it most.

Protect your health. Protect your savings. Invest in health insurance today.

Why is term insurance needed?

If the family's earning member is no longer around, who will take care of loans and EMIs, the children's education, daily household expenses and your family's financial security?

Term insurance is one of the most affordable ways to provide a strong financial safety net for your loved ones. With a small premium, you can secure a large life cover and help ensure your family's dreams continue, even in your absence.

At Fact Insure, we help you choose the right term plan for your needs and budget.

Need help with a claim?

Don't work through it alone. Call us and we'll tell you exactly what to do next — and follow up with the insurer for you.

Call 96067 12138 Contact us