The Process of Claiming Critical Illness Insurance: What You Need to Know

When Can You Claim?

You can make a claim if:

• The illness is listed in your policy.
• It is diagnosed after the mandatory waiting period (usually 90 days from policy start).
• You survive for a minimum number of days (commonly 30 days) after the diagnosis.

So, it’s crucial to read the policy document thoroughly or consult with experts like Jio Insurance Broking to understand eligibility.

Step-by-Step Process to Claim Critical Illness Insurance

Let’s walk you through the exact process so you know what to expect:

Intimate the Insurer Immediately

As soon as you’re diagnosed with a critical illness, inform your insurance company—either directly or through your insurance advisor (like Jio Insurance Broking). Most insurers require written intimation within 7 to 30 days of diagnosis.

You can do this via:

• Email
• Insurer’s official website/app
• Customer care helpline

Keep your policy number and diagnosis details handy.

Collect All Required Documents

Here’s a list of common documents required for processing a critical illness claim:

• Claim form (duly filled and signed)
• Medical reports confirming the illness (pathology, MRI, biopsy, etc.)
• Doctor’s certificate detailing the diagnosis
• Hospital discharge summary (if applicable)
• KYC documents (PAN, Aadhaar, etc.)
• Cancelled cheque or bank details
• Policy copy

Pro Tip: Insurers may reject a claim if any document is missing or incorrect. Experts at Jio Insurance Broking can assist in ensuring your paperwork is perfect.

Submit the Claim

Once the documentation is ready, submit it to the insurer via:

• Physical submission at a branch or via courier
• Online upload through the insurer’s website
• With help from your broking partner, like Jio Insurance Broking

Make sure to keep copies of everything submitted.

Wait for Claim Assessment

The insurance company will now verify:

• The authenticity of the diagnosis
• Whether the illness is covered
• Compliance with survival and waiting periods

This process usually takes 7 to 15 working days. The insurer may request additional documents or clarifications.

Claim Decision & Payout

If approved, the insurer releases the lump sum amount to your registered bank account. If rejected, they will issue a written explanation.

Common reasons for rejection:

• Illness not covered
• Claim within waiting period
• Non-disclosure of pre-existing conditions

This is why having a knowledgeable partner like Jio Insurance Broking can make all the difference—they help you choose the right policy and assist during claim processing.

Why Choose Jio Insurance Broking?

Claiming critical illness insurance should never be a solo battle. With Jio Insurance Broking, you get:

• Personalized guidance on selecting the right critical illness plan
• Pre-claim advisory on documents and process
• End-to-end claim support so you don’t miss any step

Their team works with multiple insurers, helping you get the best policy at the best price, with maximum claim support when you need it most.

In the face of a critical illness, time and clarity are of the essence. Knowing how to claim your critical illness insurance can ease financial stress and let you focus on healing. Equip yourself with the right knowledge—and the right insurance partner.

Speak to Jio Insurance Broking today to ensure you’re prepared, protected, and supported, every step of the way.

Need help filing a critical illness claim?

Contact Jio Insurance Broking for expert, unbiased assistance. Because in times of crisis, you deserve more than just a policy—you deserve a partner.