Zurich Kotak General Insurance Claim Process - Health & Motor

Health Insurance Claim Process

Cashless claim process

Reimbursement claim process

Step 1. Planned hospitalisation:
Let us know 48 hours before admission to get pre-authorisation.

Step 1. Inform us:
Call 1800 266 4545 as soon as you’re hospitalised.

Step 2.  Emergency admission:
If hospitalisation is unexpected, call us at 1800 266 4545 within 24 hours to register your claim.

Step 2. Settle & collect documents:
Pay bills at the hospital and keep all relevant documents. Submit the originals within 30 days of discharge.

Step 3. At the hospital:
Show your Policy Certificate at any of our network hospitals to enjoy cashless treatment. You can now access cashless treatment in any hospitals, just check the delisted hospitals list here.

Step 3. Check document list:
Find the full list of required documents here..

Motor Insurance Claim process

Cashless claim process

Reimbursement claim process

Step 1. Intimate us
Call 1800 266 4545 (8 a.m. – 8 p.m.) and provide your policy details to register your claim.

Step 1. Intimate us
Call 1800 266 4545 (8 a.m. – 8 p.m.) with your policy details to register your claim.

Step 2. Get your claim reference
Our customer support executive will give you a Claim Reference Number for easy tracking.

Step 2. Get your claim reference
We’ll provide you a Claim Reference Number.

Step 3. Submit documents
Share the necessary documents such as Driving License, RC Copy, and Policy FIR Copy as per your policy’s requirements.

Step 3. Submit documents
Provide all required documents, such as Driving License, RC Copy, and Policy FIR Copy.

Step 4. Vehicle inspection
We’ll arrange an inspection within 24 hours (next working day if reported on a holiday).

Step 4. Vehicle inspection
Inspection will be arranged within 24 hours (next working day if reported on a holiday).

Step 5. Repair at network garage
Once cashless approval is confirmed; your car can be repaired at a preferred network garage, no upfront payment needed.

Step 5. Repair & pay
Get your car repaired at your preferred garage and settle the bill.

Step 6. Settle your share
Pay only the deductible and any applicable depreciation value, as advised by our surveyor.

Step 6. Claim settlement
Submit all bills and receipts with your policy details. We’ll process your reimbursement within 7 working days after receiving complete documentation.