Claims support
You're never alone during a claim
A claim usually arrives on a difficult day. Whatever the policy — health, life, home or cyber — a dedicated MITRA claim expert carries the process so you can be where you're needed.
Start here
Every claim takes one of two routes
In a cashless claim, the insurer settles directly with a network hospital or provider. In a reimbursement claim, you pay first and the insurer repays you after reviewing your documents. Neither route is better — what decides how smoothly either goes is the file and follow-up. That is the part MITRA owns.
| Aspect | Cashless | Reimbursement |
|---|---|---|
| Where it works | Network hospital or provider | Any registered hospital or provider |
| Who pays first | The insurer pays the provider | You pay; the insurer repays you |
| MITRA handles | Pre-authorisation and live follow-up | Document checklist, file and follow-up |
The MITRA method
Your claim, stage by stage
- 01
Tell us what happened
Your named expert listens, triages the next hour and confirms the right route.
- 02
Coverage is checked
Policy wording, eligibility, limits and exclusions are reviewed before the file moves.
- 03
Every document is prepared
We pre-fill forms, verify bills and reports, and submit a complete file.
- 04
People are coordinated
Hospital desk, TPA, surveyor and insurer — we keep the chain moving.
- 05
Deductions are challenged
Unsupported deductions are contested with the policy wording and escalated where grounds exist.
- 06
The outcome is explained
You receive a plain-English breakdown of what happened and why.
Claim readiness
The documents almost every claim needs
- Policy number and insured person's identity details
- Claim form and a clear account of what happened
- Bills, receipts and payment proof
- Hospital, police, surveyor or service-provider records relevant to the claim
- Bank details and KYC for reimbursement
Candid, by design
What claims support cannot do
MITRA is an intermediary, not the insurer. We cannot approve an excluded event, rewrite the policy after a loss, or guarantee an outcome. We can make the strongest accurate file, contest deductions using the wording, keep the process moving and tell you the truth at every step.
Claims FAQs
The questions people ask on difficult days
Is MITRA's advice really free?
Yes — consultations and claims support are free for you. Like all insurance intermediaries, we earn a standard commission from insurers when a policy is issued. Our advisors are measured on fit and claim outcomes, not sales targets.
What does claims support include?
A dedicated claim expert prepares and verifies your documents, coordinates with the hospital, insurer or TPA, resolves queries, and explains the final settlement in plain language. It is included for policies bought or ported through MITRA.
Can MITRA guarantee that my claim will be paid?
No intermediary can decide or guarantee a claim outcome. The insurer decides based on policy wording and the facts of the claim. MITRA makes sure your file is complete, follows up, contests unsupported deductions and escalates when valid grounds exist.
Free · Unbiased · No pressure
Need help with a claim right now?
Call 9021 323 456. The emergency line is answered 24×7.