Insurance Claims Assistance & Advocacy

Yes, our Claim Assistance service is available for policyholders even when the policy was not originally purchased through BimaHeadquarter. We act as independent advocates, assisting with documentation, insurer correspondence, and representing your case. Professional consultation fees may apply for third-party advocacy.

First, take safety precautions. Then, capture clear photographs and videos of the damage or scene. Avoid moving assets or repairing vehicle parts before the surveyor's inspection. Notify your insurer immediately and register the claim. Compile basic records like invoice copies, bills, or police FIRs if applicable.

Claims are commonly rejected due to non-disclosure of pre-existing conditions, policies being inactive or lapsed, misrepresentation of facts, delays in notifying the insurer, or if the loss falls under standard policy exclusions. We audit your rejection letter to find if there are valid grounds for representation.

A surveyor is an independent licensed professional appointed by the insurance company to assess the cause and extent of the loss. Their report serves as the basis for the insurer's claim settlement decision. We help coordinate with surveyors, ensuring all facts and damages are accurately documented.

Retail claims like motor accidents or cashless health hospitalizations are typically resolved in 3 to 7 working days. Major commercial losses (fire, marine cargo, warehouse claims) require detailed surveys, and the settlement process can take anywhere from 30 days to a few months, depending on documentation complexity.