Claims process in Insurance


Claims Process in Insurance

Handling insurance claims can seem like a daunting task. To be honest, it doesn’t have to be. The claims process in insurance is relatively straightforward and simple if you know what you’re doing. This article will aim to educate you about the claims process in various branches of insurance like life, motor, health, and property.

  1. Life insurance claims process
  2. Health insurance claims process
  3. Motor insurance claims process
  4. Property insurance claims process

1) Claims Process in Life Insurance

There are 2 types of claim processes in life insurance. They are, maturity claims process, and death benefit claims process. A maturity claim is when the policyholder makes a claim after his policy term matures. A death benefit claim is when the policyholder’s nominee makes a claim request after the policyholder passes away. Let us understand both claim processes with simple illustrations.

Maturity Benefit Claims Process

Claim intimation form: The policyholder will need to intimate his insurance company about policy maturity. Once he has intimated his insurance company, he will need to duly fill in his claim intimation form and submit the same to the insurance company. The claim intimation form can generally be accessed through the insurance company’s website. You can also ask your agent to furnish you with the same.

Attaching Required Documents: You will also need to attach a variety of relevant documents with your claim intimation form. Documents required are:

  • Original policy document
  • Photo identification
  • Address proof
  • Cancelled check or copy of your passbook

Discharge voucher: The policyholder may also be required to sign and submit a discharge voucher. A discharge voucher acts as a receipt.

Payment received: If all documents are in order, the insurance company should furnish your maturity amount to you within 15-30 days.

Death Benefit Claims Process

Claim intimation form: It is important to intimate the insurance company promptly after the passing of the policyholder. Once the intimation is done, the insurance company will expect a duly-filled claim form submitted to them in due course. The claim form will ask for details such as the cause of death, date and time of death, place of death, etc. These details need to be accurately punched in without error.

Attaching required documents: You will also need to attach a set of required documents along with the form. Documents required are:

  • Copy of police FIR (if necessary)
  • Hospital Reports
  • Doctor’s certificates
  • Death certificate
  • Original policy document
  • Treatment records
  • Additional documents in case of a police case

You will need to submit these documents along with the claim intimation form to the insurance company. Ensure accuracy of the information for a smooth claim.

Payment received: Once the insurance company receives the above documents, they will send their experts to assess and investigate the situation. If everything is in order, the company will disburse your claim within 30 days. If your claim is not disbursed within that time you can approach the IRDA for relief.

2.) Claims Process in Health Insurance

Health insurance claims are of generally two types, reimbursement claims, and cashless claims.

Reimbursement Claims

A reimbursement claim is when you have to pay the hospital out of your own pocket, and the insurance company will later reimburse you the hospitalization amount after discharge. Let us briefly look at the reimbursement claims process:

Claim intimation: Again, the insurance company needs to be intimated immediately after admission. You can also intimate your insurance agent, he will intimate the company on your behalf.

Document collection: Ensure you have all hospital-related documents and bills collected. They will have to be sent to the insurance company after discharge. Documents you need to collect are:

  • Hospital bills and receipts
  • Pharmacy bills and receipts
  • Doctor’s certifications
  • Medical reports
  • Admission and discharge summary
  • FIR copy (in case of police case)
  • Remember, originals will need to be submitted to the insurance company, so be careful.

Payment: The company will disburse your claim amount within 30 days if all documents are in order.

Cashless Claims

A cashless claim is when the insurance company will directly furnish the required funds to the hospital. You will not be required to pay out of pocket. Let us briefly look at the cashless claims process:

Network hospital: You can only avail cashless facility if you get admitted to an affiliated hospital. Thus, it is important to zero in on an affiliated hospital before admission. This is an important point.

Claim intimation: You will need to intimate your insurance company during admission. Further, you will also need to submit your cashless insurance card to the hospital billing and admission desk. Once you do this, the hospital will correspond with the insurance company and initiate your admission.

Handing of reports and bills: You do not need to worry about handling bills or reports. The hospital will directly send the required documents to the insurance company.

3.) Claims Process in Motor Insurance

Motor insurance has 2 major types of claims, first-party claims, and third-party claims. Let us talk about the processes for both of them.

First-Party Claims Process

A first-party claim is when you make a claim yourself. For instance, you bump your car into a curb and damage the windscreen. You can now make an auto insurance claim with the insurance company. Let us understand its process:

Submission of the claim form: Intimate your insurance company immediately after an accident. Post intimation, submit your duly filled claim form to the company.

Surveyor: Post submission, the insurance company will send a surveyor to assess the vehicle damage. Surveyor will prepare a survey report. You can initiate repairs once you get this report.

Repairs: You can now initiate the repairs for your vehicle. Ensure that you keep your bills and receipts. Post repairs, you can now furnish all repair-related documents, bills, receipts, etc to the company.

Reimbursement: The company will furnish you with the claim amount within 30 days.

Third-Party Claims Process

This is where a third party makes a claim to you, and you pass on that claim demand to the insurance company. These incidents occur when you harm another person or their property. For instance, the policyholder bumps into a person while driving and given the opposite person a fracture. The opposite person can decide to make a claim.

Stay calm: Ensure that you stay calm during an incident. Realize that there is a process to be followed. Being cool in such situations can be beneficial for everyone involved.

Intimate your insurance company: Ensure that you intimate your insurance company about the third-party accident.

Legal notice: Firstly, the person affected can send you a legal notice. When they do, do not respond to them. Ensure that you send a copy of the notice to your insurance company.

Appointment of lawyer: The insurance company will appoint a lawyer in your defense at their expense. It is the job of this lawyer to represent you.

Court-ordered compensation: Upon completion of the trial, the insurance company will pay the victim whatever amount the court deems fit.

Case closed: Upon receiving the compensation, the case will generally be closed.

4.) Claims Process in Property Insurance

Again, there are two primary types of property insurance claims. They are first-party claims, and then there are liabilities claims. Mentioned within are the processes both.

First-Party Claims

These are claims made by the policyholder itself. For instance, a person having home insurance makes an insurance claim against home theft.
The process is as follows:

Claim intimation: Intimate your insurance company after the incident of theft, vandalism, natural disaster, etc. Intimation should be swift.

Police FIR: If it is a police case, you will be required to lodge an FIR with the nearest police station. Keep a copy of the same, you will need to send it to the insurance company.

Evidence collection: Take prompt photos and videos of any evidence to make your claim stronger.

Damage assessment: The insurance company will send their investigators to assess the damages and prepare a report.

Compensation: The company will disburse you the claim amount based on the report. If you are satisfied with the amount, the matter stands closed. If not, then you will need to approach the IRDA.

Liabilities Claims

These are claims made by third parties. For instance, you have a guest at your home and the guest is harmed due to your negligence. The guest can now send you a legal notice demanding compensation. Your property insurance company will also handle these types of claims. The process is as follows:

Stay calm: Staying calm in such situations is very important. You don’t want to make a bad situation worse by reacting incorrectly.

Intimate your insurance company: Firstly, ensure that you assist any affected person. Get them the medical help that they need. Post this, inform your insurance company about the accident.

Legal notice: There is a chance that the affected person can file charges against you. If that happens, send any legal notice that they send you, to your insurance company. Do not correspond directly, let the insurance company handle it.

Appointment of lawyer: If the matter goes to court, the insurance company will appoint a lawyer on your behalf.

Court-ordered compensation: It is the job of the insurance company to make good of any court-ordered compensation towards the affected party.

Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.


Audit of Insurance Companies

Audit of Insurance Companies

It is mandated for all insurance companies of the country to be audited from time to time. The Indian Insurance Act, 1938, clearly mentions that all insurance companies’ financial statements and required documents must be audited every year.
This is done to ensure transparency, honesty, and integrity within the insurance sector in India. Insurance is a crucial industry in India, and its smooth and efficient functioning is critical to the nation’s development.
This article will aim to discuss some of the following essential aspects of the audit of insurance companies:

  • Appointment of Insurance Auditors
  • Role of Insurance Auditors
  • List of Documents Audited
  • Audit Committee
  • 5 Important Audit Points

Appointment of Insurance Auditors

Every insurance company’s auditor needs to be selected by the company’s shareholders and approved by the Comptroller and Auditor General of India. The selected auditor should have an impeccable resume and no history of malpractices.

Role of Insurance Auditors

Mentioned within are the roles of the insurance auditor’s:

  • It is the auditor’s role to scrutinize the insurance company’s financial documents and accounting books.
  • The auditor should check the books within the insurance company’s head offices and each of their sub-branches.
  • The audit should be dispassionate and objective.
  • Further, the auditor should not come under the pressure of the management to misrepresent the facts.
  • It is the auditor’s job to prepare a complete and objective audit report.

List of Documents Audited

An insurance auditor audits the following documents and financial statements:

  • Balance Sheet
  • Profit & Loss Statement
  • Cash Flow Statement
  • Register of Policies
  • Cashbook
  • Subsidiary Records & Control Register
  • Register of Claims
  • Additional Ledgers

Audit Committee

According to Section 177 of the Companies Act, 2013, every insurance company must appoint an audit committee. This audit committee comprises independent directors, experts in the financial field. The Chairman of the audit committee must be considered a financial expert.
It is the audit committee’s role to appoint external auditors, incorporate a whistleblower program, take action in the event of financial malpractices.

5 Important Audit Points

Mentioned below are the seven important audit points that every insurance auditor audit:

  • Audit of Premium Received
  • Audit of Commissions
  • Audit of Operating Expenses
  • Audit of Claims
  • Audit of Financial Statements

Audit of Premium Received

The external insurance auditor will examine the bank accounts where customer premium is credited. All due diligence must be done to ensure that all received premium is accounted for. The auditor must tally the premium received with the number of policies issued. Any misgivings should be immediately flagged.

Audit of Commissions

Commissions are paid to the insurance brokers who bring business to the insurance company. It is the insurance auditor’s job to ensure that all commissions paid are accounted for. There should not be any misrepresentation of funds or illegitimate laundering taking place.

Audit of Operating Expenses

The operating expenses of an insurance company must be scrutinized, and the report must be filed accordingly. Any red flags in OPEX must be brought forward to the auditing committee. The auditors must be particularly prudent in their OPEX investigation as many dishonest company-men route illegitimate funds in the guise of OPEX.

Audit of Claims

It is the auditor’s task to ensure that the proper provisioning is made concerning claims liability. There should not be any over or under-provisioning. The provisioning should be in line with claim liability; this will ensure the sustainability of the insurance company.

Audit of Financial Statements

This is one of the cornerstone responsibilities of an auditor. The auditor must check the financial statements like the Balance Sheet, P&L Statements, Cash Flow Statements, etc. Further, the auditor must also provide audit reports on the cash and bank balance, equity, and debt investments of an insurance company.

Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

Life Insurance

Advantages of Life Insurance (Top 5 Benefits)

Advantages of Life Insurance (Top 5 Benefits)


What would happen to our loved ones after we go? Will they be financially secure in our absence? This is an important question that needs answering. Life insurance is something every one of us should consider purchasing.
Its various benefits and advantages make availing of a life insurance policy a prudent choice. Mentioned within are the top 5 benefits of buying life insurance.

Top 5 Benefits of a Life Insurance Policy

  • Peace of Mind
  • Assists in Debt Payment
  • Retirement Benefit
  • Tax Benefit
  • Wide Variety of Plans

Let us dive deep into each of the above benefits in detail below.

Peace of Mind

Purchasing life insurance can not only give you peace of mind but can also provide your family peace of mind. The payout that your family receives from a life insurance company can help maintain the lifestyle of your family, further a child’s education, or even provide the required additional financial stability to a family. You can sleep soundly that knowing that your family will be completely secure in your absence.

Assists in Debt Payment

There are situations where the patriarch of the family passes away after taking a loan. The burden of the loan passes down from the patriarch to the family. To avoid this situation, the patriarch can take a life insurance policy, knowing that the family can pay off his loan using the life insurance claim amount.

Retirement Benefit

All life insurance policies do not need the policyholder to pass away to avail of benefits. There are various policies that provide maturity benefits to policyholders. The maturity benefit is paid once the policy term gets over. The policyholder can use this amount to secure his post-retirement life.

Tax Benefit

A person can avail of an annual tax deduction on premiums paid up to Rs.1.5 Lakhs under section 80C. It would be a wise choice for many to avail a life insurance policy to lower their tax liability.

Wide Variety of Plans

Life insurance plans have evolved greatly. Gone are the days of traditional life insurance products. Companies now offer a plethora of life insurance products that cater to all requirements. Some of the different life insurance plans are the following:

Term Life Insurance: This is where the nominee will receive the death benefit in case the policyholder dies within the specified policy term.

Whole Life Insurance: A whole life insurance policy will provide protection to the policyholder’s family throughout the lifetime of the policyholder. (generally up to 100 years of age)

Endowment Life Insurance: An endowment life insurance policy will provide a balance of death benefits and savings. This is where the policyholder can avail a lump sum amount on maturity.

ULIP Life Insurance: A ULIP plan offers you the flexibility of death benefits along with the opportunity of participating in the equity and debt markets. The premium collected is invested in the market, and the final amount will be returned to you on maturity.

Child Insurance: This plan caters towards benefiting your child’s future.

Money-Back Life Insurance: Money back policies return your premium paid at regular intervals. Further, in the event of the policyholder’s demise, the entire sum assured will be paid to the nominee.

Retirement Plans: These plans provide a flow of pension to the policyholder post-retirement.

Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

Health Insurance

Facultative Reinsurance: Meaning, Features and Examples

Facultative Reinsurance: Meaning, Features and Examples

Have you ever wondered what could happen if your insurance company fails? The answer to this question is understanding the concept of reinsurance. Understanding how reinsurance works can give you peace of mind. The scope of this article is to provide a brief understanding of the following:

  • What is Reinsurance
  • What is Facultative Reinsurance
  • Facultative Reinsurance Example
  • Treaty vs Facultative Reinsurance

What is Reinsurance?

There could be times where an insurance company will not be in a position to service all its claims. What can an insurance company do in such a scenario? It will enter into a reinsurance contract with a reinsurance company. The reinsurance company will take over the risk burden of the insurance company for a premium. Thus if the insurance company fails to honor the claim due to the unavailability of funds, the reinsurance company will step in and honor the claim.

What is Facultative Reinsurance?

Facultative reinsurance is when an insurance company comes into an ad-hoc reinsurance contract with a reinsurance company. It is a specialized contract with special specific terms and conditions unique to a particular project/venture.
An insurance company can come into a facultative reinsurance contract with a reinsurance company if It wants to cover something which is not covered in its regular treaty reinsurance contract.

Facultative Reinsurance Example

Suppose an insurance company wants to cover a new specialized real estate project that is not part of its treaty reinsurance contract. How will the insurer insure this new project? The answer is the insurance company will enter into a facultative reinsurance contract with a reinsurer that covers risks associated only with this project. The treaty reinsurance contract will cover the other

Treaty vs Facultative Reinsurance

A treaty reinsurance contract is a blanket reinsurance treaty that agrees to cover all of the insurance company’s risk. A treaty reinsurance contract can cover all of the risks on the books of the insurance company or risks associated with a particular sector. For instance, there could be a treaty reinsurance contract that covers all of the marine insurance-related risks of an insurance company.
Facultative reinsurance is where an insurance company is inclined to cover a specific project that is not covered under its blanker reinsurance treaty.

Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

Health Insurance

Domiciliary Hospitalization

Domiciliary Hospitalization

Domiciliary Hospitalization is where the medical treatment is done at home. It is also commonly known as Home Hospitalization. There are various cases where a person may prefer domiciliary Hospitalization over regular hospitalization. Certain ailments are better handled at home, rather than in the hospital. This is where Domiciliary Hospitalization can be boon.

There could be situations where the doctor states that a home environment would be better suited for the healing of the patient. In this situation, a policyholder can avail a domiciliary hospitalization cover from his insurance company.
This is could be important to know whether your health insurance policy covers domiciliary hospitalization.

This article will aim to cover the most important points on this topic, such as:

• Domiciliary hospitalization meaning
• Domiciliary hospitalization eligibility
• Coverage and exclusions under domiciliary hospitalization
• Companies that provide domiciliary hospitalization coverage
• Benefits of domiciliary hospitalization

Domiciliary Hospitalization Meaning

Let us aim to understand Domiciliary Hospitalization with an easy example. Let us say Mr. Shyam slipped and had a leg injury at his home.
He called a doctor at his home and the doctor suggested that due to the sensitive nature of his injury he not be moved out from the house. Mr. Shyam decided to get home treatment.
Mr. Shyam was lucky as his health insurance policy covered domiciliary hospitalization treatment.

Domiciliary Hospitalization Eligibility

Domiciliary Hospitalization coverage will only be considered in the following cases:

  • If the patient cannot be moved to the hospital due to the nature of the injury/illness.
  • If there was no availability of hospital bed.
  • There should be a valid reason to get home treatment

Coverage and Exclusions under Domiciliary Hospitalization


Coverage will vary from policy to policy. You must check your health insurance policy coverage in the case of home hospitalization. That being said, most companies will cover most illnesses if you can prove that it was not possible to shift the patient to a hospital, and home treatment was the only option.


Some general exclusions include:

  • Hypertension
  • Arthritis
  • Diarrhoea, Dysentery
  • Diabetes Mellitus and Insipidus
  • Bronchitis
  • Chronic Nephritis
  • Epilepsy
  • Common cough and cold
  • Influenza
  • Psychosomatic Disorders
  • Tonsillitis
  • Laryngitis or Pharyngitis

Benefits of Domiciliary Hospitalization

  • Home treatment could be the ideal choice for some people during the COVID-19 pandemic
  • Certain illness’ merit home or domiciliary hospitalization
  • In certain situations the patient can recover faster at home
  • Some policies cover Ayurveda, Unani and Homeopathic treatments at home (Depends on policy to policy)

Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

Health Insurance

Difference between Double Insurance and Reinsurance

Difference between Double Insurance and Reinsurance

It is common to confuse Double Insurance with Reinsurance. This article aims to give you complete clarity on what both these terms mean, as well as the difference between double insurance and reinsurance.
But before we get to their difference we need to understand what each term means.

What is Double Insurance?

Double insurance is two or more insurance companies cover the same risk. This is where the insured buys two or more insurance policies from two or more insurance companies covering the same insured object.
An example of double insurance would be that an individual would buy 2 or more health insurance policies for himself. Both policies are bought from different companies.

What is Reinsurance?

Reinsurance provides insurance to insurance companies. Let us decompress this a little further. At times an insurance company insures huge projects like real estate projects, marine engineering projects, civil engineering projects, etc. These huge projects increase the risk exposure of the insurance company.
That company suspects that if there is a claim made, it may not be able to service it. So what is the solution to this issue? This is where reinsurance comes into play. The insurance company will enter into a reinsurance contract with another insurance company (generally larger than itself) and the reinsurance company will insure against any loss that the insurance company may face due to claims made.
Reinsurance basically transfers the risk from the insurance company to the reinsurance company.

Difference between Double Insurance and Reinsurance

Comparison TermReinsuranceDouble Insurance
MeaningThis is where the insurance company transfers its risk to a reinsurance company.This is where an insured takes 2 or more insurance policies with 2 or more insurance companies covering the same risk.
Risk BearingRisk is borne by the insurance companyRisk is borne by the reinsurance company
Done By WhomInsurance is done by insurance companyInsurance is done by reinsurance company
ObjectiveTo insure the insuredTo insure the insurance company

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Motor Insurance

What is OD (Own Damage) in Insurance?

What is OD (Own Damage) in Insurance?

OD (own damage) is the damage caused to the policyholder’s insured vehicle. A motor insurance policy providing OD coverage will compensate the policyholder against any damage caused to his own vehicle.
This content piece will aim to explain the concept of OD in insurance by discussing the following topics:

• What is OD Coverage in motor insurance?
• Example of OD in motor insurance
• How is OD Premium Calculated?
• OD Vs Third-Party insurance

What is OD Coverage in motor insurance?

An own damage (OD) motor insurance policy will provide coverage to the policyholder if his insured vehicle is damaged, stolen, vandalized, totaled, etc. The insurance company will either provide a cashless claim settlement or will reimburse the insured at a later date.
OD coverage is optional in India and car owners can either choose to purchase a comprehensive motor insurance policy (optional) or a third-party motor insurance policy (mandatory).
If a person has bought a comprehensive policy, he/she does not need to buy the mandatory third-party policy.

Example of OD in motor insurance

Let us assume Mr. Jayesh bought a comprehensive motor insurance policy for his new Honda City. A few months pass by and Mr. Jayesh becomes involved in a minor accident. His car’s windscreen is damaged and needs replacement. Mr. Jayesh informs the insurance company about this accident and the company reimburses him for the repair cost of the car. This is an example of OD coverage in motor insurance.

How is OD Premium Calculated?

The OD premium is calculated based on the following factors:
• Age of vehicle
• Make and model of the vehicle
• Owners age and profile
• IDV of the vehicle
• Area of the vehicle

OD Vs Third-Party insurance

OD insurance is also commonly known as comprehensive motor insurance. This is where the owner and the third-party are both covered.

Own Damage (OD)Third-Party
CoverageCovers only the owner’s own vehicle.Covers only the opposite person’s damage/loss.
Whether compulsoryNoYes. Third-party motor insurance is compulsory under the Motor Vehicles Act.
CostIt generally costs more than third-party insurance as it covers both the owner and the third-party.It is cheaper compared to comprehensive insurance.
CustomizationsCustomizations and riders can be opted under this policy.No. This is a standardized policy

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TDS on insurance commission

TDS on insurance commission

If you are an insurance broker, you may have a question about the TDS implications on insurance commission. This article will aim to clear your doubts with clear and concise examples and illustrations.

Section 194D of the Indian I.T. Act

Section 194D of the Indian I.T. Act deals with rules and regulations about insurance commissions.
Under section 194D of the Indian Income Tax Act, an insurance company must cut 5% of the commission paid to an insurance agent at source, provided that the commission amount is more than Rs.2.50 Lakhs/year.


Let us say Mr. Arun is an insurance agent with HDFC Life. Mr.Arun earned a cumulative commission of Rs.3 Lakh in F.Y. 20. Under section 194D of the I.T. Act, HDFC Life will have to deduct 5% of Rs.3 Lakh at source as TDS and then release the remaining amount to Mr.Arun. Mr.Arun can later file for a rebate with the income tax department if he so chooses.

Additional Points

There are a few other additional points that an insurance agent should be mindful about, they are:
• If an insurance agent does not provide a PAN card to the insurance company, TDS will be cut at a 20% rate.
• If an insurance company does not cut TDS at source (if the agent’s yearly income is over Rs.2.5 Lakh), it is liable to face a fine.
• If TDS is paid to a domestic company, it will be applied at 10%. For Individuals, it will be 5%.

We trust that we have cleared any lingering doubts and questions that an existing or budding insurance agent may have concerning TDS on your commissions.

Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

Life Insurance

List of Life Insurance Companies in India (IRDA Approved)

List of Life Insurance Companies in India (IRDA Approved)

The insurance sector in India is regulated by the IRDA. This means that any insurance company (life insurance or general insurance) needs to be registered with the IRDA. It is important for a potential insurance buyer to ensure that the company they are dealing with is registered with the IRDA.

So, if you’re planning to purchase a life insurance policy, make sure the company is registered with the IRDA. This repository provides a list of life insurance companies in India registered with the IRDA (Updated 29-02-2021)

List of Life Insurance Companies in India (IRDA Registered)

CompanyCEO/MDNumberEmail IDSocial Media
Life Insurance Corporation of India (LIC)Mr. M. R. Kumar022 6827 6827chairman@licindia.com
Max Life InsuranceMr. Prashant Tripathy0124 648 8900online@maxlifeinsurance.com
1860 120 5577
Kotak Mahindra Life InsuranceMr. G Murlidhar1800 209 8800lifeexpert@kotak.com
HDFC Life InsuranceVibha Padalkar1800-266-9777buyonline@hdfclife.in
91 8291 890 569 (WhatsApp)
ICICI PrudentialMr. N S Kannan1860 266
SBI Life InsuranceMr. Mahesh Kumar Sharma1800 267
Aditya Birla SunLifeMr. Kamlesh Rao1800 270
Bajaj Allianz Life InsuranceMr. Tarun
PNB MetLife InsuranceMr. Ashish Kumar
Exide Life InsuranceMr. Kshitij Jain1800 419 8228care@exidelife.in
Tata AIAMr. Rishi Srivastava1-860-266-9966customercare@tataaia.com
7045669966 (WhatsApp)
Aviva Life InsuranceMr. Trevor Bull1800-103-7766customerservices@avivaindia.com
Shriram Life InsuranceMr. T.S. Krishna Murthy1800-103-7401customercare@shriramlife.in
Reliance Nippon Life InsuranceMr. Ashish Vohra1800 102 1010Rnlife.customerservice@relianceada.com
022 4882 7000
72088 52700 (WhatsApp)
Sahara India Life InsuranceMr. O.P.
Bharti AXA Life InsuranceMr. Parag Raja1800-102-4444service@bharti-axalife.com
02248815768 (WhatsApp)
Future Generali Life InsuranceMr. Ghyanendra Nath Bajpai1800 102 2355care@futuregenerali.in
Aegis Federal Life InsuranceMr. Vighnesh Shahane1800 209 0502support@ageasfederal.com
022 – 2302 9200grievance@ageasfederal.com
Aegon Life InsuranceMr. Satishwar
Canara HSBC OBC Life InsuranceMr. Anuj Mathur1800-103-0003customerservice@canarahsbclife.in
9311444942 (WhatsApp)
Edelweiss Tokio Life InsuranceMr. Sumit Rai1800 212 1212care@edelweisstokio.in
Star Union Dai-Ichi life insuranceMr. Girish Kulkarni1800 266 8833customercare@sudlife.in
India First Life InsuranceMr. R. M. Vishakha1800 209 8700customer.first@indiafirstlife.com
Pramericaa Life Insurance1800 102 7070contactus@pramericalife.in


Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

Motor Insurance

How to check your bike insurance status

How to check your bike insurance status

Are you looking for a way to check your bike insurance status easily? This article will show you how you can check the status of your two-wheeler within in a few simple and easy to follow steps.
We understand that regularly checking your motor insurance papers are very important as driving on the roads without a valid and up-to-date insurance policy is illegal. There are 2 ways of checking your bike insurance validity:

• Check bike insurance through VAHAN
• Check bike insurance through IIB

Check bike insurance status through VAHAN

Step 1: Visit the PARIVAHAN website

Visit the website by entering in your favorite web browser. You will now be at VAHAN’s homepage.

Step 2: Hover over “Online Services” and click on “Vehicle Related Services”

parivahan online services


Step 3: Select your state

parivahan vehicle related services page


Step 4: Fill in the box with your RTO details

vahan citizen services homepage


Step 5: Click on RC Particulars

parivahan online services RC particulars


Step 6: Enter your vehicle number and chassis number


Step 7: Check your insurance validity

Insurance validity


Check bike insurance status through IIB website

Step 1: Visit the IIB website

Insurance Information Bureau of India Homepage

Visit the IIB website by entering in your favorite web browser.

Step 2: Click on “V SEVA” under Quick Links

IIB quick links


Step 3: Fill in your details


You will need to fill in your name, email OD, phone number, address, vehicle registration number, accident date, captcha code and press on the submit button.

Step 4: View vehicle details

You will get a detailed summary of your vehicle details on this page, including date of purchasing insurance and date of insurance expiry.

Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.