Guide to Filing an IPPB Claim
So, you’ve got insurance—great start! But if an accident has you wading into the world of IPPB claims, you might be feeling lost. Don’t worry; I’ve got you covered. Here’s the ultimate play-by-play, written like I’m right there with you, guiding you through every call, every form, and every document!
1. Step One: Ring the Alarm! 🚨
The moment something happens, grab that phone and hit up IPPB’s 24/7 Toll-Free Claim Center at 18002667780 or drop an email to general.claims@tataaig.com. Why? Because time is of the essence, and the sooner you notify them, the quicker things start moving.
But wait! Make sure you have these details ready:
- Contact Details: Yours and the insured/nominee’s (don’t lose these!).
- Policy Info: The policy number and certificate number are the magic keys here.
- Details, Details, Details: You’ll need to tell them when, where, and how the accident happened. Describe the scene, time, injuries, all the necessary bits.
2. Gathering Your Evidence – The Essential Documentation 🎒
You know the drill: insurance companies love paperwork. But here’s the good news—I’m making it easy by breaking it down by claim type.
Accidental Medical Expenses (In-Patient Department) 🏥
Think of this as the “all-in” claim. Here’s what you’ll need:
- Claim Form: Fill it out (don’t forget the doctor’s signature; they’re VIP in this process).
- Hospital Records: Original discharge card, all medical records, and any X-rays or MRI reports.
- Police Docs: FIR and Panchnama reports. Yes, they want every angle covered.
- Bills & Receipts: Original hospital bills, receipts, and prescriptions are mandatory.
- Bank Details: A cancelled cheque in the insured’s name—this is where they’ll wire the funds.
In-Hospital Daily Cash Benefit 💸
If you’re claiming daily cash, here’s the checklist:
- Claim Form with Doc’s Sign-Off: Yes, another one.
- Hospital Discharge Card: A certified copy will do.
- Police Files: FIR and Panchnama reports again.
- Bank Details: Don’t forget the cancelled cheque in your name.
Accidental Death 💔
For this one, you’re representing your loved one, and here’s what they’ll need:
- Claim Form with Physician’s Statement: Let them know you mean business.
- Death Certificate & Medical Files: Yes, every report, including post-mortem records.
- Police Verification: FIR and Panchnama reports—make sure they’re thorough.
- Banking Info: Cancelled cheque of the nominee, plus CKYC documents.
Disability/Dismemberment Claims 🦾
For life-altering accidents, the proof is in the paperwork:
- Claim Form + Doctor’s Statement: Yes, again.
- Complete Medical History: Including hospital discharge cards and disability certificates.
- Police Reports: FIR and Panchnama.
- Visual Evidence: A photo showing the affected body part (proof is key here).
- Bank Details: Cancelled cheque in the insured’s name.
3. The Secret Checklist 🤫
Now here’s a pro tip: for any claims exceeding INR 1 lakh, they’ll need some extra identity documents. Grab a filled CKYC form, a copy of your PAN card, and your residence proof. Double-check every detail on these to avoid delays!
And keep this in mind: reference your policy and claim numbers in every single piece of communication. No exceptions.
Lastly, send every piece of paperwork to:
Tata AIG General Insurance Company Ltd.
8th Floor Romell Tech Park,
Cama Industrial Estate, Near Hub Mall,
Western Express Highway, Goregaon (East) Mumbai-400063.
Note: While this checklist covers primary requirements, Tata AIG may request further documentation or initiate an investigation if needed.