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Exhaustive Guide To Claim Intimation In Group Health Insurance

Exhaustive guide to claim intimation 2

Claim intimation clause in health insurance policies is a mandatory clause. This clause refers to the obligation of the policyholder to formally inform the insurance company (or their third party administrator) about a potential claim under the policy

This clause typically puts timelines for intimating the insurer. The imitation can be done via any mode of communication. It is advisable that you keep a record of this communication such that in cases where there may be a difference of opinion on having met this requirement, you can share it with the insurer. 

In case of hospitalisation, either as an emergency case or as a reimbursement case, this clause is equally applicable. 

In emergency cases this needs to be done within 24 hours of getting admitted to the hospital.

In planned cases, this needs to be done 48 hours prior to hospitalisation.

Why is intimation required?

Claim intimation is required mostly by the insurers for two main reasons:

  • To account for a potential payout to be made under the policy
  • To investigate a claim if the insurer feels that any direct or indirect mechanism needs to be activated to adjudicate and verify on the genuineness of the claim

Where to file my health insurance intimation?

You can file for intimation in the following ways:

  1. Send an email to the insurer
  2. Call the insurer on their general helpline
  3. Many insurers have a form on their website to facilitate claim intimation

Claim Intimation under Health Insurance Policy

Often policyholders are at a loss to access information with the relevant details on where to intimate and how to intimate. 

This article provides all contact details of all TPA’s and Insurers along with their email id’s and phone numbers to initiate claim intimation. Once the intimation has been done, kindly keep the interaction details handy. Often you may be allocated a transaction Id number which will confirm the receipt of your intimation.

Please note the following indicative list of insurers and TPA’s for claim intimation:

Sr. No.InsurerEmail IdPhone NoOnline Intimation LinkOnline claim Submission
1Acko General Insurance Mobile ApplicationACKO Mobile Application
2Aditya Birla Health Insurance Co.
3Bajaj Allianz General Insurance Co. Yours Mobile App
4Cholamandalam MS General Insurance Co. Ltd.customercare@cholams.murugappa.com1800-208-5544
5Future Generali India Insurance Co. Ltd.fgh@futuregenerali.in1800 103 8889 Available
6Go Digit General Insurance Ltdhealthclaims@godigit.com1800-258-4242
7HDFC ERGO General Insurance 6234
8ICICI LOMBARD General Insurance Co. Ltd.ihealthcare@icicilombard.com18002666IL Take Care Mobile ApplicationIL Take Care Mobile Application
9Liberty General Insurance Ltd.health360@libertyinsurance.in1800-266-5844Not Available
10Max Bupa Health Insurance Co. LtdB2bclaimbcp@maxbupa.com1860-500-8888Not Available
11Reliance General Insurance Co.Ltdrgicl.rcarehealth@relianceada.com1800-3009 Self-i App Mobile Application
12Care Health Insurance Ltd(formerly known as Religare Health Insurance Co. Ltd.)Customerfirst@careinsurance.com1800-102-4488
13Star Health & Allied Insurance Available
14Universal Sompo General Insurance Co. Ltd.contactclaims@universalsompo.com1800-200-5142 Available
15HDFC ERGO Health Insurance Limited (Formerly Apollo Munich Health Insurance Company Limited)care@hdfcergo.com022-6234 6234
16Bharti AXA General Insurance Co. AvailableNot Available
17Cholamandalam MS General Insurance Co. Ltd.customercare@chola.murugappa.com1800-208-5544
18Manipal Cigna Health Insurance Company Limitedcustomercare@manipalcigna.com1800-102-4462Not AvailableNot Available
19Navi General Insurance AvailableNot Available
20Edelweiss General Insurance Co. AvailableNot Available
21IFFCO TOKIO General Insurance Co. AvailableNot Available
22Kotak Mahindra General Insurance Co. Available
23Magma HDI General Insurance Co. Available
24National Insurance Co. AvailableNot Available
25Raheja QBE General Insurance Co. Ltd.customercare@rahejaqbe.com1800-102-7723Not AvailableNot Available
26Reliance Health Insurance Ltd.rgicl.rcarehealth@relianceada.com1800-3009 Self-i App Mobile Application
27Royal Sundaram General Insurance Co. AvailableNot Available
28SBI General Insurance Co. Available
29Shriram General Insurance Co. Ltd.compliance@shriramgi.com1800-103-3009 Available
30Tata AIG General Insurance Co. Ltd.customersupport@tataaig.com1800-266-7780 Available
31The New India Assurance Co. AvailableNot Available
32The Oriental Insurance Co. Available
33United India Insurance Co. Available
Sr. No.TPA NameEmail IdPhone NoOnline Intimation LinkOnline Claim Submission
1Heritage Health Insurance TPA Private Limitedheritage_health@bajoria.in1800-345-3477http:// Available
2Rothshield Insurance TPA 228 144
3Alankit Insurance TPA Limitedintimation@alankit.com1800-11-3300
4Anmol Medicare Insurance TPA Limitedinquiry@anmolmedicare.com1800-233-1999 Available
5Genins India Insurance TPA Limitedgil@geninsindia.com0120-4144100
6Safeway Insurance TPA Private Limitedcontact@safewaytpa.in1800 102 5671 Available
7Health Insurance TPA of India 180 3600 Available
8Medi Assist Insurance TPA Private Limitedinfo@mediassist.in1800-425-9449
9MDIndia Health Insurance TPA Private Limitedcustomercare@mdindia1800-209-7777
10Park Mediclaim Insurance TPA Private Available
11Vidal Health Insurance TPA Private Limitedhelp@vidalhealthtpa.com1860-425-0251
12Vision Digital Insurance TPA Private Limitedcustomercare@visiontpa.in18001029982 Available
13Good Health Insurance TPA Available
14East West Assist Insurance TPA Private Limitedassistance@eastwestassist.com011-47222666
15Ericson Insurance TPA Private Limitedintimation@ericsontpa.com1800-202-2034
16Family Health Plan Insurance TPA Limitedintimation@fhpl.net1800-425-4033 Available
17Health India Insurance TPA Services Private Limitedfrd@healthindiatpa.com022-66131199 Available
18Medsave Health Insurance TPA Limitedinfo@medsave.in011 -71221234
19Paramount Health Services & Insurance TPA Private Limitedcontact.phs@paramounttpa.com1800-226-655 Available
20Raksha Health Insurance TPA Private Limitedcrcm@rakshatpa.com0129-428-9999 Available
21Vipul Medcorp Insurance TPA Private Limitedgi@vipulmedcorp.com0124 483 3900 Available
22United Health Care Parekh Insurance TPA Private Limitedcustomerservice@uhcpindia.com1800-209-8884Not AvailableNot Available

These details have been collated and appear to be accurate as on the date of documentation. Please do note that these are subject to change.


Q – If I was unable to send an intimation for a claim what will be the impact for it?

A – There is a possibility that the insurer or TPA will raise a query for reason of non-intimation. The law allows you to provide a justification for the same. Based on your communication, on reasonable grounds, no insurer can deny a health insurance claim for non-intimation. While the regulator has been specified on this clause and wants the insurers to ensure that no genuine claim is denied basis inability to intimate, the courts and the integrated grievance redressal mechanism of the regulator is available for you to reach out to. 

Q – If I delay sending the claim intimation, then what will be the impact?

A – Your reimbursement claim can get delayed in the absence of a reasonable reason for delay or non-intimation.

Q – What is the difference between cashless and reimbursement claims intimation?

A – Generally the authorisation sent by the hospital is taken as a surrogate for claim intimation. This therefore means that in a reimbursement claim, the policyholder needs to be more diligent about doing the intimation. 

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