Health claim process
One difficult day. One clear next step at a time.
Cashless or reimbursement, planned admission or emergency — this is exactly what happens, what you need and what your MITRA claim expert handles.
Cashless route
At a network hospital
- 01
Call your claim expert
One call starts everything — no forms, helpline queue or ticket number.
- 02
We verify the cover
Eligibility, limits, waiting periods and the right claim route, explained plainly.
- 03
We build and submit the file
Forms are pre-filled, documents checked and insurer queries answered.
- 04
Settled, then explained
Every approval and deduction is broken down. We contest what is unsupported.
Reimbursement route
When you pay first
- 01
Intimate the claim
Tell MITRA and the insurer as early as possible.
- 02
Keep every original
Bills, receipts, reports, prescriptions, discharge summary and payment proof.
- 03
We build the file
Documents are checked against the insurer's exact checklist before submission.
- 04
Queries are answered
Your claim expert tracks the assessment and closes requests for more information.
- 05
Settlement is checked
The outcome is reconciled against the policy and deductions are challenged where valid.
Before you need it
Keep these ready
- Policy card and number
- Photo ID and KYC
- Hospital records and itemised bills
- Prescriptions and diagnostic reports
- Cancelled cheque or verified bank details
Questions
Health claim FAQs
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
In a hospital right now?
Call 9021 323 456. We will tell you what to do in the next hour.