Accurate Paisa
Claim and emergency help

Know the next action when hospitalisation happens.

Use this as a process guide only. Contact your insurer or TPA through the number on the health card or official website. Never send patient records, OTPs or policy documents to Accurate Paisa.

Planned or emergency admission

Cashless path

  1. Find an eligible network hospital.Network status and cashless eligibility can change. Ask the hospital insurance desk to verify the exact policy.
  2. Show the health card to the hospital desk.The hospital sends pre-authorisation to the insurer or TPA. Use official channels only.
  3. Track pre-authorisation.IRDAI’s consumer guidance states cashless pre-authorisation should be decided within one hour of the request.
  4. Review deductions before discharge.Ask for a written reason for non-payables, co-pay, sub-limits or rejected line items.
  5. Track final authorisation.IRDAI states final discharge authorisation should be granted within three hours of the hospital request.

When cashless is unavailable

Reimbursement path

  1. Notify the insurer promptly.Follow the time and channel in the policy wording.
  2. Collect documents from the hospital.Keep discharge summary, bills, receipts, reports and prescriptions offline or in your secure storage.
  3. Submit only on the insurer’s official portal.Accurate Paisa does not accept or store claim documents.
  4. Track the claim reference.IRDAI’s current health guidance lists a 15-day turnaround for non-cashless claims.
  5. Request a clear reason for deductions.Compare the decision with policy wording, schedule and Customer Information Sheet.

Official help only

Find your insurer

Open the insurer profile and continue to its verified website or health-product page.

AB
Aditya Birla HealthOfficial links and identity
→CH
Care HealthOfficial links and identity
→GH
Galaxy HealthOfficial links and identity
→MC
ManipalCignaOfficial links and identity
→NH
Narayana Health InsuranceOfficial links and identity
→NB
Niva BupaOfficial links and identity
→SH
Star HealthOfficial links and identity
→AK
ACKOOfficial links and identity
→BG
Bajaj GeneralOfficial links and identity
→CM
Chola MSOfficial links and identity
→GC
Generali CentralOfficial links and identity
→DG
Digit InsuranceOfficial links and identity
→HE
HDFC ERGOOfficial links and identity
→IL
ICICI LombardOfficial links and identity
→IT
IFFCO TokioOfficial links and identity
→ZK
Zurich KotakOfficial links and identity
→LG
Liberty GeneralOfficial links and identity
→MG
Magma InsuranceOfficial links and identity
→NI
National InsuranceOfficial links and identity
→NV
Navi InsuranceOfficial links and identity
→RQ
Raheja QBEOfficial links and identity
→RG
Reliance GeneralOfficial links and identity
→RS
Royal SundaramOfficial links and identity
→SG
SBI GeneralOfficial links and identity
→SR
Shriram GeneralOfficial links and identity
→TA
Tata AIGOfficial links and identity
→NIA
New India AssuranceOfficial links and identity
→OI
Oriental InsuranceOfficial links and identity
→UI
United India InsuranceOfficial links and identity
→US
Universal SompoOfficial links and identity
→ZU
Zuno InsuranceOfficial links and identity
→

Escalation

Insurer first, then grievance channels.

Keep claim and complaint references. Use the insurer grievance process and IRDAI’s official consumer guidance when the issue remains unresolved.

Open IRDAI health guidance ↗