A claim is the only moment that proves whether your insurance was structured well. Our claims team turns the policy from a document into the payout it was meant to be — fully, fairly, and quickly.
Fill this in and you'll get a reference number plus a pre-written message. Send it by WhatsApp or email and our claims desk picks it up with everything already in hand — no repeating the story.
Rather just talk to someone?
Most policies require you to report a claim within a set window of the incident — often 24 to 48 hours for motor and health. Raise the ticket as soon as you can, even if you don't yet have the paperwork.
Step-by-step direction from the first call through to settlement, in plain language.
We prepare, review and coordinate every document required by the insurer.
A direct line to a real expert — not a queue, not a ticket, not a bot.
Empathy and confidentiality when the moment is hardest. Always.
Most claims follow the same architecture. We work each step with you so the file is clean by the time it reaches the insurer's desk.
Call us as soon as it happens. We register the claim with the insurer the same day, which is what protects your right to be paid.
We share a tailored document checklist, help you collect everything (FIR, medical bills, surveyor reports, invoices) and review for completeness.
We submit the file, coordinate the insurer's surveyor inspection where required, and respond to every clarification on your behalf.
We chase the insurer, push back where needed, and check the payout matches what the policy actually promised — line by line.
Funds land directly with you (or the hospital, in cashless). We confirm the credit and close the file with a written summary.
Anonymised but unedited. These are how a few of our clients' claims actually moved — from the call we received to the moment the money landed.
Family calls; we intimate insurer's TPA and share policy details.
Pre-auth approved by TPA after we push hospital to share treating doctor's note.
Discharge; final bill settled cashless by insurer. Family pays only non-medical line items.
Pre & post-hospitalisation reimbursement filed with us; settled within 14 days.
Client calls at 2am; we file insurer intimation and arrange surveyor visit for next morning.
Stock inventory & CCTV footage collected; preliminary loss assessed at ₹3.1Cr.
Surveyor's final report submitted with our consolidated documentation pack.
Settlement on reinstatement value basis; funds credited. Business resumes operations.
Nominee reaches out; we explain process and share document checklist.
Death certificate, claim form, KYC and bank details collected and verified.
Submitted to insurer; we follow up daily with the claims desk.
Full sum assured credited to nominee's account. Loan-balance impact also coordinated.
Indicative lists. Your dedicated broker will share a tailored checklist when the claim is registered.
As soon as possible — ideally within 24 hours. Delayed intimation is one of the most common reasons for claim disputes. Even if you don't have all the documents yet, just notify us; we'll register the claim.
We don't accept first-pass rejections at face value. We review the insurer's reasoning against the policy wording, prepare a rebuttal, escalate to the grievance officer if needed, and pursue the Insurance Ombudsman where the case warrants it.
For property, fire, marine and engineering claims — yes, where the location allows. The surveyor's preliminary report shapes the entire settlement; we make sure your side is properly represented.
No. Claims assistance is part of our service. The insurer pays us a brokerage at policy issuance; we don't charge clients separately at the time of a claim.
We can still help on a best-effort basis, but our full claims service is available when the policy is placed through Labdhi — because we have the wording, the underwriting file and the insurer relationship from day one.
We're a message or a call away. The earlier we're involved, the cleaner the settlement.
