๐ Claims help
The claim is the product. Everything else is paperwork.
You don't buy insurance for the brochure - you buy it for one difficult day. On that day, Shiro Money clients make one WhatsApp message or one phone call, and we take over from there. This support is free, for life, for every policy bought through us.
๐ค Our claim promise
Call us first, not the insurer. Even at 2 AM before a planned hospitalisation, even from the accident spot. If we don't pick up, we call back - that is the standard we hold ourselves to.
๐บ๏ธ How a claim works with us
- 1
You inform us
One WhatsApp message or call. Tell us what happened; we'll tell you exactly what to do next and what NOT to do (like starting vehicle repairs before the surveyor visit).
- 2
We prepare the file
We list every document, help you collect them, check the forms, and file the intimation with the insurer within the deadline.
- 3
We coordinate
Hospital TPA desk, garage, surveyor, insurer's claims team - we do the follow-up calls so you can be with your family, not on hold.
- 4
We push till settlement
We track the claim, respond to queries, and escalate if it stalls. If a deduction looks wrong, we contest it with the insurer.
๐ Keep these ready (we'll help you organise them)
- Policy document / policy number - save a photo in your phone today
- Health: hospital bills, discharge summary, test reports, ID of the insured
- Motor: RC, driving licence, FIR (if theft/third-party), photos of damage
- Life: death certificate, nominee ID and bank details, policy bond
๐ฌ Claim questions we hear often
I didn't buy my policy from you. Will you still help?
Bring the policy to us for a free review first. If we take over its renewal/servicing, it becomes our responsibility like any other Shiro Money policy - claim support included.
Do you charge anything for claim support?
Nothing, ever. Claim support is not a paid service - it is the reason we exist. Our earnings come from insurer commissions on policies, and the premium you pay is unchanged.
What are the most common reasons claims get rejected?
Hidden medical history or smoking on the proposal, lapsed premiums, delays in informing the insurer, and starting repairs/treatment without following process. Every one of these is preventable - which is exactly what we manage for you.
๐จ In an emergency right now?
Message or call us immediately. We will guide you through the first hour.