We stay with you at claim time
A claim is when insurance proves its worth. Whether you bought your policy through us or not, we will guide you through each step and follow up with the insurer.
How to make a claim
Choose your claim type to see the steps and documents.
For accidents, theft, fire or flood damage to your car, bike or commercial vehicle.
Stay safe, then inform us
Take photos of the vehicle and the spot. Call or WhatsApp your A2 advisor.
Register the claim
We help you register with the insurer and get a claim number. File an FIR for theft or third-party injury.
Survey
Take the vehicle to a network garage. The insurer’s surveyor inspects the damage. Do not start repairs before the survey.
Repair and settlement
Cashless at network garages, or reimbursement after you pay. We follow up until settled.
Documents usually needed
- Claim form
- RC and driving licence
- Policy copy
- FIR (theft or third-party injury)
- Repair estimate and final bill
- Cancelled cheque (reimbursement)
Cashless at network hospitals, or reimbursement when you pay first.
Inform early
Planned treatment: 3 to 4 days before admission. Emergency: within 24 hours. Tell us too.
Cashless
At a network hospital, show your health card at the insurance desk. The hospital requests pre-authorisation from the insurer or TPA.
Reimbursement
At other hospitals, pay the bill and submit the claim within the insurer’s deadline (often 15 to 30 days after discharge).
Queries and settlement
We help answer insurer queries and track the claim until payment.
Documents usually needed
- Health card and ID proof
- Claim form
- Discharge summary
- Original bills, receipts and pharmacy bills
- Investigation reports
- Doctor’s prescriptions
- Cancelled cheque (reimbursement)
For nominees of a life or term insurance policy. We know this is a difficult time and will handle the process with care.
Inform the insurer
The nominee informs the insurer with the policy number. We can do this with you.
Submit documents
Claim form, death certificate, nominee KYC and bank details, plus medical records if the insurer asks.
Settlement
The insurer settles the claim to the nominee. We follow up throughout.
Documents usually needed
- Claim form
- Original policy document
- Death certificate
- Nominee photo ID and address proof
- Nominee bank details
- Medical records or FIR/post-mortem report where applicable
For medical emergencies abroad, lost baggage and delays, or goods damaged in transit.
Travel: call the assistance line
Use the 24×7 number on your policy for cashless treatment abroad. Keep all bills and reports.
Marine: inform immediately
Tell us and the insurer as soon as damage is found. Do not give a clean receipt for damaged goods.
Survey and documents
For marine claims, a surveyor inspects the goods. We help prepare invoices, transit papers and the claim bill.
Settlement
We track the claim with the insurer until it is settled.
Documents usually needed
- Policy copy
- Passport and tickets (travel)
- Bills, reports, airline or police letters (travel)
- Invoice, packing list and lorry receipt / bill of lading (marine)
- Survey report (marine)
Insurer claim helplines
Call your insurer to register the claim, then tell us the claim number so we can follow up for you. Numbers are taken from insurer websites; please confirm on your policy document.
| Insurer | Lines | Claim helpline |
|---|---|---|
| HDFC ERGO General Insurance | Health, Motor, Travel, Marine, Business | 022 6234 6234 |
| Niva Bupa Health Insurance | Health | 1860 500 8888 |
| ICICI Lombard General Insurance | Health, Travel, Business | 1800 2666 |
| Star Health and Allied Insurance | Health | 1800 425 2255 |
| Aditya Birla Health Insurance | Health | 1800 270 7000 |
| Tata AIA Life Insurance | Life | 1860 266 9966 |
| HDFC Life Insurance | Life | 022 6844 6530 |
| IFFCO Tokio General Insurance | Motor, Marine, Business | 1800 103 5499 |
| Generali Central Insurance (formerly Future Generali India) | Motor | 1800 220 233 |
| The Oriental Insurance Company | Motor, Marine, Business | 1800 118 485 |
| United India Insurance Company | Motor, Marine, Business | 1800 425 33333 |
| National Insurance Company | Motor, Marine, Business | 1800 345 0330 |
Ask us for claim help
Share your policy number and what happened. We will tell you what to do next, help with forms and follow up with the insurer until the claim is settled.
Existing A2 Insurance customers get priority help. If you bought your policy elsewhere, we will still guide you on the next steps.