CoverDost
Claim help

Claim rejected or stuck? Don't give up.

Many rejected claims are paid after a proper appeal. Tell us what happened — we build a step-by-step plan, a documents list and a ready-to-send letter.

Cashless claim

  1. 1Check the hospital is in your insurer's network (ask the hospital's insurance / TPA desk).
  2. 2Show your health e-card + ID at the insurance desk. Planned admission: inform insurer 48–72 hrs before. Emergency: within 24 hrs.
  3. 3Hospital sends the pre-authorisation form. Insurer must decide within about 1 hour.
  4. 4At discharge, the final bill is approved (target within 3 hours). You pay only non-covered items.

Reimbursement claim

  1. 1Inform the insurer within 24–48 hrs of admission (call or app).
  2. 2Keep ALL originals: bills, payment receipts, discharge summary, reports, prescriptions.
  3. 3Submit the claim form + documents within 15–30 days of discharge (check your policy).
  4. 4Insurer must settle within 30 days of the last document received; delay means interest is payable.

30 days

Max time to settle after last document

15 days

Insurer must reply to your complaint

5 years

After 60 months, claims can't be denied for non-disclosure (except fraud)

Get your personal claim plan

Claim type

What happened?