How it works

A Clear Claim Assistance Process

Nine stages that explain what happens, what you may need to provide, how Claims Saathi assists, and what remains with the insurer or TPA.

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Illustrated claim assistance journey from request to next steps

Assistance Request

You contact Claims Saathi by phone, WhatsApp, email or the contact form and share a high-level overview of the claim situation.

You may need to provide

Basic contact details, claim category and a short non-sensitive description of what happened.

Claims Saathi may support

We log the request, clarify the assistance path and outline initial next steps.

Insurer or TPA control

Policy coverage questions and formal claim registration remain with the insurer or TPA.

Initial Claim Understanding

We review the information shared to understand the claim type, stakeholders involved and likely documentation path.

You may need to provide

Policy type if known, hospital or incident context, and any identifiers already issued to you.

Claims Saathi may support

We map a practical assistance plan and flag common requirements for your pathway.

Insurer or TPA control

Eligibility and benefit interpretation remain with the insurer or TPA.

Requirement Checklist

A clearer view of documents and reports that are commonly requested for the claim path is prepared.

You may need to provide

Confirmation of which records you already hold and which may still be pending.

Claims Saathi may support

We share a structured checklist and explain why items are typically requested.

Insurer or TPA control

Final document lists are set by the insurer, TPA or surveyor process.

Document and Report Organisation

Available documents and reports are organised so they are easier to review and share through appropriate channels.

You may need to provide

Copies of records you are comfortable sharing through guided secure channels when requested.

Claims Saathi may support

Help structuring hospital records, bills, estimates, survey inputs and supporting declarations.

Insurer or TPA control

Acceptance of documents is decided by the receiving stakeholder.

Stakeholder Coordination

Where assistance is requested, we help coordinate communication with relevant hospitals, families, insurers, TPAs or surveyors.

You may need to provide

Permissions and contact preferences so coordination stays appropriate and confidential.

Claims Saathi may support

Organised follow-through on information requests and status queries we are authorised to handle.

Insurer or TPA control

Operational decisions of hospitals, insurers, TPAs and surveyors remain theirs.

Follow-Up on Pending Requirements

Outstanding items are tracked and chased with a clear view of what is still needed.

You may need to provide

Responses to pending queries and any newly available records.

Claims Saathi may support

Structured reminders and clarification of what remains open.

Insurer or TPA control

How quickly stakeholders respond is outside Claims Saathi control.

Available Status Communication

When status information becomes available to us, we share it in plain language.

You may need to provide

Your preferred contact method and any Claims Saathi reference already shared with you.

Claims Saathi may support

Updates on what is known, what is pending and practical next steps.

Insurer or TPA control

Official claim status is determined and communicated by the insurer or TPA.

Next-Step Guidance

You receive clear guidance on actions that may help the process move forward.

You may need to provide

Timely completion of any action items that sit with you or your family.

Claims Saathi may support

Practical coaching on documentation, follow-ups and communication etiquette.

Insurer or TPA control

Settlement and approval decisions stay with the insurer or TPA.

Completion or Closure Support

Assistance concludes when the relevant process step is complete or further coordination is no longer required.

You may need to provide

Confirmation that you have received available updates and closure notes.

Claims Saathi may support

A clear summary of what was assisted and how to reopen contact if needed.

Insurer or TPA control

Final claim closure on the insurer or TPA side follows their process.

Claims Saathi assists with documentation and coordination but does not determine claim approval. Requirements vary based on the insurer, TPA, policy terms and claim circumstances.

Cashless claim overview

Cashless pathways typically involve hospital network processes, pre-authorization where applicable, and document coordination during admission or discharge. Claims Saathi helps organise information and follow-ups; approval remains with the insurer or TPA.

Pre-authorization support

Reimbursement claim overview

Reimbursement usually requires organising bills, discharge papers, diagnostics and claim forms after treatment. We help structure submissions and track pending requirements without deciding payable amounts.

Reimbursement support

Motor claim overview

Motor claims often involve intimation, estimates, survey or assessment inputs and repair documentation. We assist with organisation and coordination while assessment outcomes stay with the relevant stakeholders.

Motor claim assistance

Reports

Claim Report Workflow

Reports requested vary by circumstances. A typical assistance flow includes identifying what may be needed, gathering available records, organising them for clarity, and sharing through appropriate channels when you are ready.

Identify commonly requested reports
Collect available hospital, accident or survey inputs
Organise files for review
Clarify gaps and pending items
Support secure sharing when guided

Claim report assistance

Privacy guidance

Please do not share medical records, identity documents, bank details or sensitive policy documents through public website forms. Our team will guide you to an appropriate secure channel when required.

Read legal notices

How long does claim assistance take?

Timelines vary with claim type, document readiness and insurer or TPA processes. Claims Saathi does not guarantee settlement speed.

Will Claims Saathi speak to my hospital or insurer?

Where you request coordination support and appropriate permissions are in place, we may help with structured follow-ups. Stakeholders retain their own processes.

How do I get an update on my claim?

Call, WhatsApp or email us with your claim reference and your coordinator will share the latest update available to us.

What remains outside Claims Saathi control?

Claim acceptance, approval, payable amount, survey outcomes and settlement timelines are determined by the insurer, TPA or relevant assessing party.

A Clear Claim Assistance Process

From First Request to Closure Support

Assistance Request

Initial Claim Understanding

Requirement Checklist

Document and Report Organisation

Stakeholder Coordination

Follow-Up on Pending Requirements

Available Status Communication

Next-Step Guidance

Completion or Closure Support

Common Claim Overviews

Cashless claim overview

Reimbursement claim overview

Motor claim overview

Claim Report Workflow

Privacy guidance

Process Questions

You Do Not Have to Navigate the Claim Journey Alone.