Notification of Claim
What it means, and what it does to a claim.
Telling the insurer or their TPA that a claim is coming, through any of the channels the policy recognises.
Why it matters
There are deadlines — commonly 24 hours for an emergency admission and 48 to 72 hours before a planned one — and missing them gives the insurer grounds to question the claim even when the treatment was entirely covered. Intimate first, sort out the paperwork afterwards.
The legal definition
Notification of Claim means the process of intimating a claim to the insurer or TPA through any of the recognized modes of communication.
Quoted verbatim from an IRDAI-filed policy wording. Definitions are standardised across insurers, but the limits attached to them are not — always read your own policy schedule.
Related terms
- Hospitalization — Being admitted to a hospital as an in-patient for at least 24 consecutive hours — except for procedures on the day-care list, which are covered in less.
- Material Facts — Anything an insurer would want to know when deciding whether to cover you and on what terms — your medical history, habits, occupation and existing policies.
- Network Provider — A hospital the insurer has a cashless agreement with.
- Non-Network Provider — Any hospital or day-care centre the insurer has no cashless agreement with.
Disclaimer: Figures shown here are compiled from IRDAI annual reports and public grievance disclosures, and from insurer public disclosures and policy wordings. Claim settlement ratios and complaint volumes are three-year averages for FY 2024–26. Premiums are indicative illustrations for the stated profile, not quotes — your actual premium depends on your age, health, city, habits and underwriting. Scores are Myinsurancebro's own assessment. Always read the official policy document and speak to an advisor before buying. Myinsurancebro is an IRDAI-licensed insurance advisor — we do not manufacture or underwrite any insurance product.