A policy is only as good as its claim. Our office handles intimation, documentation and insurer follow-up for our clients — and when a claim is delayed or wrongly cut, we guide the escalation, step by step.
We notify the insurer/TPA in time, coordinate pre-authorisation with the hospital's insurance desk, and track the approval so treatment is never held up by paperwork.
Discharge summary, bills, investigation reports, KYC — we give you a precise checklist and review the file before it goes to the insurer, so it is not returned for deficiencies.
We chase the claim with the insurer on your behalf. If it is delayed, cut or rejected, we prepare the representation and guide you through Bima Bharosa and the Ombudsman.
Policyholders have a defined, free-of-cost grievance path in India. Most people simply never use it. We do, methodically.
A written representation to the insurer's Grievance Redressal Officer, with the policy clauses and documents argued properly.
IRDAI's online grievance portal, which places the complaint on the regulator's radar with defined response timelines.
An independent authority that can award claims up to ₹50 lakh — no lawyer, no fee. We help prepare the complaint file.
Claim decisions rest with the insurance company; no broker can guarantee an outcome, and you should be wary of anyone who says otherwise. What we do promise: your claim will be intimated in time, documented completely, presented correctly, followed up persistently — and escalated professionally if it is not treated fairly. That is what an IRDAI-licensed broker is for.
For a planned admission, inform us and the insurer 2–3 days in advance so cashless authorisation is ready. In an emergency, get treatment first and intimate the claim within the timeline in your policy (typically 24–48 hours of admission) — one WhatsApp message to us is enough to set the process moving.
No. A rejection is the insurer's first decision, not the final word. The sequence is: written representation to the insurer's Grievance Redressal Officer (they must respond within regulatory timelines), then the IRDAI Bima Bharosa portal, then the Insurance Ombudsman — which can decide complaints up to ₹50 lakh at no cost to you. We help our clients build the file at each stage.
The usual causes: non-disclosure of existing conditions at purchase, claims falling inside waiting periods, room-rent limit breaches triggering proportionate deductions, excluded treatments, late intimation and incomplete documents. Half of claim success is buying correctly — which is why our buying process is disclosure-first.
Our claims desk is a service for Trustner clients. If your policy is elsewhere, talk to us — we will tell you honestly what we can do, and how to bring your policies under our servicing going forward.
Message our claims desk on WhatsApp with your policy number and hospital name — we will take it from there.
