Claims support

How our claims process works — simple, fast, dependable

We handle the heavy lifting: submission, insurer coordination and follow-ups — so you get the best possible outcome with minimal effort.

Start a claim Claims FAQ

🛠️ Claims process — quick overview

Follow these practical steps — our team is available at every stage to help you avoid delays and maximise claim value.

1

Start your claim

Share basic details online or with our support team. We confirm your policy and advise next steps.

2

Upload documents

Securely upload hospital bills, discharge summaries and prescriptions. We checklist and validate files.

3

We coordinate

We liaise with the insurer and hospital for pre-auth or settlement — keeping you updated throughout.

Why claims get delayed or rejected

  • Incomplete documentation or missing seal/sign
  • Non-disclosure of medical history
  • Late submission of documents
  • Admission was not necessary medically
  • No reply to queries raised by Insurer
  • Not payable as per your insurance plan

How GoCover helps

  • Pre-flight document checklist before submission
  • Claims advisor reviews to reduce errors
  • Follow-up with insurers to speed approvals
  • Reimbursement assistance where required

Start your claim — what we need

Provide these documents to get started. If you don’t have something, tell us — we’ll help you obtain it.

Essential documents

  • Claim form (filled & signed)
  • Photo ID Proof (Aadhar & PAN)
  • Policy copy
  • Hospital discharge summary
  • Final bill with detailed breakup
  • All investigation reports supporting diagnosis
  • Indoor case papers
  • Implants invoice if used

Pro tips

If you can, request pre-authorization for planned admissions — it reduces surprises at discharge.

Download claim form Email claims

Common timelines

Typical processing times; actual time depends on insurer and documentation quality.

  • Pre-auth for cashless: 2–4 hours (if docs complete)
  • Reimbursement: 7–30 days after submission & verification
  • Complex cases: may take longer due to medical review