Insurance Mart
Guidelines Before Taking Any Policy or Filing Any Claim
At Insurance Mart, we have one mission — to protect you completely when you need it most.
The real test of any health insurance policy comes not when you buy it, but when you make a claim.
These guidelines will ensure you never face surprises, rejections, or unnecessary deductions.
Before Taking Any Policy
Choose Complete Protection, Not Just a Low Premium
Look beyond price — ensure your policy has full coverage, no hidden limits, and benefits that match your needs.
Read Every Clause, Even the Fine Print
We at Insurance Mart will explain each term, waiting period, sub-limit, and exclusion so you know exactly what is covered and what is not.
Check the Insurer’s Claim Settlement Record
We only recommend companies with a strong track record of paying claims quickly and fairly.
Avoid Policies with Unclear or Complicated Conditions
Complexity creates loopholes for rejection. We ensure your cover is clear, transparent, and dependable.
Before Filing Any Claim
Inform Us Immediately
Whether it’s a planned procedure or an emergency, call Insurance Mart first — early intimation means faster approval.
Keep All Medical Records & Bills Complete
Always have doctor’s prescriptions, test reports, admission notes, and itemised bills ready — missing documents can delay or reduce payment.
Follow the Correct Claim Process
- For planned hospitalisation, get a pre-authorisation from the insurer in advance.
- For emergencies, intimate the insurer within 24 hours
- For emergencies, intimate the insurer within 24 hours
Do Not Sign Anything Without Understanding
Before signing any hospital or insurer document, let our team review it — to prevent mistakes that can cost your claim.
Our Role During Your Claim
When a medical emergency happens, we stand beside you like family — handling:
• Hospital coordination & paperwork
• Direct communication with doctors & insurer
• Fighting for full and fair claim settlement
Because with Insurance Mart, insurance is not just about selling a policy — it’s about keeping our promise when life tests you the most.
