How to File a Mediclaim in India: A Simple 4-Step Guide for First-Time Policyholders

“Your Stress-Free Path to Easy Mediclaim Settlement“

Dealing with hospitalization is already stressful enough. The last thing you want is confusion about how to file a mediclaim. But here's the good news—it can be simpler than you think when you know the right steps.

At PolicyBird, our goal is to make insurance simple and accessible for you. This easy-to-follow guide will walk you step-by-step through the mediclaim process to help make it smoother and reduce the chances of delays.

A Quick Story: Why Proper Mediclaim Filing Matters

Imagine a situation we’ve all seen around us. A young couple from Gandhinagar recently faced an unexpected medical emergency. After days of hospital visits and medical bills piling up, they were emotionally exhausted. Worse, when it came to filing their mediclaim, confusion set in—What forms do we fill out? What documents do we submit?

Sounds relatable, doesn’t it? Thankfully, after contacting PolicyBird, they realized how straightforward the process really is—once you know the right steps.

Let’s make sure you never have to worry like they did.

Step-by-Step Mediclaim Filing Made Simple

Here’s a clear, stress-free roadmap to ensure you file your claim perfectly the first time around:

✅ Step 1: Arrange All Medical Documents Clearly

Begin by organizing all your medical bills, reports, and receipts. Ensure each document clearly states:

Patient’s name
Hospital and treatment details
Doctor’s signature or hospital’s authorized stamp
Date and cost of treatments

Arrange these chronologically—this saves time and avoids last-minute panic.

Note: If you are going for a cashless claim, most documents are handled directly between the hospital and your insurer/TPA. However, it’s still important to keep all bills, reports, and discharge summaries for your records.

✅ Step 2: Get and Fill Out the Mediclaim Form

Next, download the claim form directly from your insurance provider’s website. For example, major insurers like TATA AIG, Star Health, HDFC Ergo, and others provide claim forms online. Carefully follow these simple instructions:

Fill out all required fields accurately.
Get the form signed by both the policyholder and the treating doctor.
Don’t forget the hospital's official stamp!

Attach the following essential medical documents clearly:

Hospital discharge summary
Treatment and illness details
Diagnostic and procedure reports
Doctor’s certificate of recovery
Your policy-related documents (TPA card, Insurance policy copy)

✅ Step 3: Keep Copies of Every Document

Always maintain clear photocopies of all original documents you're submitting. This helps in:

Smooth processing of your claim
Quick referencing in case of any queries or issues later

✅ Step 4: Submit Your Claim to the Correct TPA

Your insurance provider partners with a TPA (Third Party Administrator) responsible for claim processing. Here's what you should do:

Contact your insurance provider or visit their website to identify the correct TPA.
Visit the nearest TPA office, submit your claim documents, and ask an executive to verify everything on the spot.
Once documents are submitted, notify your insurance provider and provide them with a set of photocopies for records.

Tip: Inform your insurer/TPA about hospitalization as soon as possible — ideally within 24 hours for emergencies and at least 48 hours before planned admission. This helps avoid delays or rejections.

Frequently Asked Questions (FAQs)

Typically, claims are settled within 15–30 days, provided your documents are correctly submitted and verified.

You must submit:

Claim form (signed and stamped)
Original medical bills and reports
Hospital discharge summary
Doctor’s recovery certificate
Copy of the policy and TPA card

Yes, many TPAs now allow online submission. Reach out to PolicyBird—we’ll guide you step-by-step to file online if needed.

Need personalized assistance?

📞 Call Us | 💬 WhatsApp Now | ✅ Get a Free Quote

Inspired by India’s Health Mission

PolicyBird Insight

A family protected by health insurance is a family empowered to dream without fear. Don’t wait for a crisis to realize its value — secure your future while you’re healthy today.

Disclaimer: This article is for general informational purposes only. This is subject to the respective insurer’s underwriting, policy terms, and IRDAI regulations. Please verify all details with your insurer or a licensed insurance advisor before making any decision.

Office Address

Phone Number

Email Address