Insurance claims in India follow a structured process governed by policy wording, regulatory timelines, and documentation standards.
Intimation of Loss
Immediate notification to insurer and broker. Delays may affect admissibility.
Simplify Insurance
We explain complex policies in clear, practical language.
Documentation Submission
Documents may include:
• Claim form
• Policy copy
• Incident report
• Financial records
• Stock statements
• FIR (if applicable)
• Photographs and supporting evidence
Assessment & Query Stage
Insurers may raise clarification queries. Timely and structured response is critical.
Settlement Recommendation
Surveyor submits report; insurer evaluates admissibility based on policy terms.
Discharge & Settlement
Claim amount finalized and paid upon acceptance.
SKD Advisory Note:
We assist clients in:
• Pre-claim documentation review
• Surveyor coordination
• Policy wording interpretation
• Dispute representation
• Negotiation in partial settlements
Claims are not fought emotionally. They are defended technically.