How to File an Insurance Claim & Avoid Common Mistakes

Filing an insurance claim can feel confusing and stressful — especially when you’re already dealing with a loss, accident, or medical emergency. Unfortunately, many claims get delayed or rejected simply due to avoidable mistakes.

In this guide, we’ll walk you through how to file an insurance claim step by step and highlight the most common mistakes you should avoid to ensure a smooth and successful claim process.

What Is an Insurance Claim?

An insurance claim is a formal request made to your insurance company asking for financial compensation or coverage for a loss covered under your policy.

Claims can be filed for:

1. Health insurance
2. Life insurance
3. Motor insurance
4. Home insurance
5. Travel insurance

Each type follows a similar process — but documentation and timelines matter a lot.

Step-by-Step Guide to Filing an Insurance Claim

Step 1: Inform the Insurance Company Immediately

As soon as the incident occurs:

1. Notify your insurer or insurance agent
2. Call the customer care number or use the insurer’s app/website
3. Note down the claim reference number

⏰ Why this matters:
Most policies have a time limit for claim intimation. Delays can lead to rejection.

Step 2: Understand Your Policy Coverage

Before proceeding:

1. Read your policy document carefully
2. Check what is covered and excluded
3. Confirm sub-limits, deductibles, and waiting periods

📌 Pro Tip:
Many claims are rejected because the policyholder assumes coverage without checking exclusions.

Step 3: Collect All Required Documents

Documentation is critical for claim approval.

Common documents include:

1. Duly filled claim form
2. Policy copy
3. ID proof
4. Bills, invoices, or receipts
5. Medical reports / FIR / repair estimates (as applicable)

📁 Always keep originals and copies for reference.

Step 4: Fill the Claim Form Carefully

While filling the claim form:

1. Ensure details match policy records
2. Avoid overwriting or incomplete information
3. Provide accurate incident details

❗ Even small errors (wrong date, spelling mistakes) can cause delays.

Step 5: Submit Documents & Evidence

Submit your documents:

1. Online (email/app/portal)
2. Offline (branch or agent)

For certain claims:

1. Motor insurance may require vehicle inspection
2. Health insurance may require hospital verification
3. Life insurance may require nominee documents

Step 6: Cooperate During Claim Verification

The insurer may:

1. Ask for additional documents
2. Conduct surveys or inspections
3. Verify hospital or repair details

📌 Respond promptly to avoid delays.

Step 7: Claim Approval or Settlement

Once verified:

1. Approved claims are settled via bank transfer
2. Partial approvals may apply due to deductibles or exclusions
3. If rejected, you will receive a written explanation

Common Insurance Claim Mistakes to Avoid 🚫

❌ 1. Delayed Claim Intimation

Always inform the insurer immediately after the incident.

❌ 2. Not Disclosing Complete Information

Providing false or incomplete details can lead to claim rejection.

❌ 3. Ignoring Policy Terms & Exclusions

Every policy has exclusions — ignoring them is a common mistake.

❌ 4. Missing or Incorrect Documents

Incomplete paperwork is one of the top reasons for claim delays.

❌ 5. Letting the Policy Lapse

Claims are not payable if the policy is inactive or expired.

Tips for Faster & Hassle-Free Claim Settlement

✔ Save all bills, reports, and receipts
✔ Keep policy details handy
✔ Inform insurer immediately
✔ Be honest and transparent
✔ Follow up regularly

What to Do If Your Insurance Claim Is Rejected?

If your claim is rejected:

1. Ask for a written reason
2. Review policy terms carefully
3. Submit additional documents if required
4. File a grievance with the insurer
5. Approach the Insurance Ombudsman if unresolved

📌 Many genuine claims get approved after proper follow-up.

Why Choosing the Right Insurance Advisor Matters

A reliable insurance advisor helps you:

• Choose the right policy
• Understand coverage clearly
• File claims correctly
• Avoid unnecessary rejections

At PolicyWise, we guide customers through every step — from buying the right insurance to successful claim settlement.

Conclusion:

Filing an insurance claim doesn’t have to be stressful. By following the right steps and avoiding common mistakes, you can ensure a smooth and timely settlement.

💡 Remember: Insurance is meant to protect you — knowing how to use it properly makes all the difference.

👉 Need help with insurance claims or choosing the right policy?
Contact PolicyWise today for expert assistance.