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Claims Process
 
You can notify a claim by sending an SMS CLAIMS to 5616181 or by calling our 24x7 toll free helpline 1-800-119966.
You can even write to us at general.claims@tata-aig.com


Click on the product category link to view the Claims Procedure:
 
Motor
 
Remember to always carry the following documents in your vehicle:
  • Registration Certificate
  • PUC Certificate
  • Insurance Certificate
  • Always carry your Driving License on your person.
What to do in the event of an accident.
  • Please attend to bodily injury, if any.
  • Note the numbers of the other vehicle involved in the accident, if any.
  • Try to note the names and contact details of witnesses, if any.
  • Fill up the claim intimation form (attached to your policy) to keep your replies ready for the Call Centre. Please immediately contact our TOLL FREE help line on 1-800-11-9966 in the event of any claim. Answer a few simple questions. Our Call Centre executives are there to help.
  • In case of property damage, theft or bodily injury claims, file a First Information Report with the Police. In other circumstances FIR is not necessary.
Documents required for smooth processing of your claim:
  • Download Claim Form.
  • Driving License of the person driving the vehicle at the time of loss.
  • FIR, if it is a case of property damage or bodily injury claims or theft.
  • Vehicle Registration Book.
We may request for additional documents, if required, depending on the case.
What Tata AIG General Insurance Company Limited will do
In the event of a claim, we reach you fast and handle the case transparently. Our claims representative will contact you within 48 hours of intimation. They will:
  • Inform you of procedures and documents
  • Guide you to a high quality repair facility.
  • Draw out assessment of repairs with garages - no need for an estimate of repairs from you.
  • Authorize repairs and inform you of extent and cost.
  • If desired, consequent to repair, we will make payment of our share of the loss directly to the garage i.e. net of excess & depreciation, if any.
  • As mentioned in the policy, all rubber and plastic parts will be subject to a depreciation of 50 percent, irrespective of age of the car. Fibre items will attract 30 percent depreciation. Other parts will be depreciated according to the age of the car, as mentioned in the Policy
Do's:
  • Do maintain a copy of the driving license of the driver, in case he is not available after the accident.
  • In case of Total Loss, please keep the wreck safe, until your claim is finalised.
  • You have the right to information. Please do understand how the surveyor & garage have adjusted your claim, and your portion of claim.
  • In case of the death of driver/cleaner/workmen, obtain and forward Police Report / post mortem reports to us.
  • Any notice from Third Party / Motor Accidents Claims Tribunal / court of law or any summons received concerning the accident has to be forwarded to us.
Don'ts:
  • Do not hand over your vehicle to anyone who does not have a valid driving license. It is illegal and against our duty as fellow citizens. It is easier to say "NO" the first time and every time.
  • Do not repair / dismantle the vehicle before the inspection of the Company Representative / Final surveyor.
  • Do not compromise / promise anything without the consent of the Company.
  • In case of the death of driver/cleaner/workmen, obtain and forward Police Report / post mortem reports to us.
  • Do not ignore small damages on windshield glass. In select cities we can guide you to the latest technology in glass repair. For more details on this, contact our Call Centre or the Claims representative.
 
 
 Home
 
What to do in the event of an accident.
  • Please attend to bodily injury, if any.
  • Please protect the property in the best way possible. If required take photographs. Immediately alert our Call Center. Immediately contact our TOLL FREE help line on 1-800-11-9966, in the event of any claim. Answer a few simple questions. Our Call Centre executives are there thelp.
  • Try to note the names and contact details of witnesses, if any.
  • In case of theft or bodily injury claims, file a First Information Report with the police. In other circumstances FIR is not necessary.
  • In case of fire attended by the Fire Brigade, please seek a copy of their report.
Documents required for smooth processing of your claim:
  • Download Claim Form
  • Allow our representative to inspect and assess the damaged property before carrying out repairs.
  • FIR, if it is a case of property damage or bodily injury claim or theft.
  • Do not make any compromises without the express sanction of the company.
What Tata AIG General Insurance Company Limited will do
In the event of a claim, we reach you fast and handle the case transparently. Our claims representative will contact you within 48 hours of intimation. They will:
  • Inform you of procedures and documents
  • Consequent to the repair, we will make payment of our share of the loss, i.e. net of excess & depreciation, if any, to you within seven working days.
Do's:
  • Do maintain a copy of the policy handy.
  • In case of Loss, please keep the damaged property safe and unchanged, until your claim is surveyed. Post survey you may carry out repairs.
  • Please offer all help to the surveyor to fulfill his / her responsibility.
  • You have the right to information. Please do understand how the surveyor has adjusted your claim, and your portion of the claim.
  • In case of the death of employee and coverage chosen, obtain and forward Police Report / post mortem reports to us.
  • A notice from Third Party / court of law or any summons received concerning the incident has to be forwarded to us.
  • Please procure bills and cash memos of the repairs done and submit them to the insurance company.
  • In case you have the original receipts of the property purchase it will help smoothen the claim process.
Don'ts:
  • Do not repair / dismantle the property before the company representative / final surveyor's inspection.
  • Do not compromise / promise anything without the consent of the company.
Don'ts:
  • Do not hand over your vehicle to anyone who does not have a valid driving license. It is illegal and against our duty as fellow citizens. It is easier to say "NO" the first time and every time.
  • Do not repair / dismantle the vehicle before the inspection of the Company Representative / Final surveyor.
  • Do not compromise / promise anything without the consent of the Company.
  • In case of the death of driver/cleaner/workmen, obtain and forward Police Report / post mortem reports to us.
  • Do not ignore small damages on windshield glass. In select cities we can guide you to the latest technology in glass repair. For more details on this, contact our Call Centre or the Claims representative.
 
 
Health
 
Please contact our 24-hour Toll Free Call Center on 1-800-11-9966. Please intimate the Call Center as soon as a claim occurs, in order for us to provide you prompt and effective assistance.

Please have the following information ready when you call the Call Center:
  • Your Contact numbers
  • Policy Number
  • Name of Injured person (s.no. in the schedule of the policy)
  • Designation and grade of the person and since when he is covered under the policy
  • Date & Time of Loss
  • Location of accident
  • Nature of accident
  • Nature of injury
  • Place & contact details where insured person may be visited (home/hospital)
The following is a general check list of documents required for processing your claim:

Hospital Cash / Medical Benefit Claims
  • Claim Form
  • Attending Doctor's report
  • Hospital discharge card/ proof of hospitalization with details of treatment.
  • Bills with prescriptions
  • Pathological Reports/ X-rays, X-ray Reports.
Weekly Benefit Claims
  • Claim form
  • Attending Doctor's Report
  • Disability Certificate from the Doctor, if any
  • Investigation /Lab reports (x-rays &reports etc.)
  • Original Admission/discharge card, if hospitalized
  • Employers Leave Certificate, with grade/designation
  • Details of salary-Latest Salary Certificate.
Death Claims
  • Claim form
  • Attending Doctor's report
  • Original Death Certificate
  • Original / Attested Post Mortem / Coroner's report
  • Attested copy of FIR / Panchanama
  • Police Inquest report, where applicable
We may request for additional documents, if required, depending on the case.
 
 
Travel
24 hour Assistance Contact:
  • For the Americas Policies
    Call:        +1-866-866-2619 (Toll Free within US & Canada)
                    +1-817-826-7017(Reverse Charge/Collect from other places)

    E-mail        tata.aig@aig.com
    Address for submission of documents:
Claims Department,
Tata AIG General Insurance Company Limited.
A-501, 5th Floor, Building Number 4
Infinity IT Park, Dindoshi
Malad (East), Mumbai, India - 400097.

  • For rest of the world policies excluding the Americas
    Call:        +603-2118-0782 or +603-2118-0784

    E-Mail:        TGAP.TATAmedical@travelguard.com
    Our Service Center is equipped to provide you with the necessary guidance in your situation, and will direct you on claims procedure. Note: Failure to call this number in respect of Medical Accident & Sickness Claims (Travel) shall invalidate your claim, if any. In case of OPD treatment (where hospitalization is not required), please collect all bills and receipts and file for reimbursement with Tata AIG General Insurance Company Limited, Claims Department, at the address mentioned above. This is a General checklist of documents, please check for availability of coverage under the policy.
  • Medical Accident & Sickness Expenses**
    Documents Required*
    • Claim form
    • Doctor's report
    • Original Admission/discharge card
    • Original Bills / Receipts/Prescription
    • Original X-ray reports / Pathological / Investigative reports
    • Copy of passport / Visa with Entry & exit stamp
    Procedure
    • Please contact our Service Center at the number given above and obtain a Claim Form from them and fill in. It is necessary to obtain the attending physician's signature on the Form.
    • Please collect all bills/receipts/invoices3. Send all documents to our Corporate Office at the address given below
  • Loss of Baggage Documents Required*
    • Claim form
    • Copy of the passport/Visa with Entry & exit stamp
    • Copies of Baggage Tags
    • Original Bills / Receipts / Prescription
    • Copies of Correspondence with the Airline authorities/Others about loss of checked baggage
    • Property Irregularity Report (obtained from Airline)
    • Details of compensation received from Airlines/Other authorities, if any
    Procedure
    • Intimate the airline about your loss and lodge complaints
    • Claim Form can be obtained from our Service Center
    • Fill in the Claim Form and send all documents to our Corporate Office at the address given below
  • Delay of Baggage
    Documents Required*
    • Claim form
    • Copy of the passport/Visa with Entry & exit stamp
    • Property Irregularity Report (obtained from Airline)
    • Original bills / receipts / invoices pertaining to expenses
    Procedure
    • Intimate the airline about your loss and lodge complaints
    • Claim Form can be obtained from our Service Center
    • Fill in the Claim Form and send all documents to our Corporate Office at the address given below
  • Trip Delay
    Documents Required*
    • Claim form
    • Original Bills of purchases made/ Expenses incurred during the period of delay
    • Copy of Ticket & Boarding Pass
    • Copies of Correspondence with the Airline authorities/Others about loss of checked baggage
    Procedure
    • Claim Form can be obtained from our Service Center
    • Fill in the Claim Form and send all documents to our Corporate Office at the address given below
  • Loss of Passport
    Documents Required*
    • Copy of new passport
    • Copy of previous passport (if available)
    • Original bills / invoices of expenses incurred for obtaining a new passport
    • Copy of FIR / Police Report
    Procedure
    • File a complaint with the local police
    • Contact with the Indian Embassy, where ever necessary
    • Submit all documents to our Corporate office at the address given below, along with a detailed statement.
  • Personal Liability
    Documents Required*
    • Full statement of the facts in writing.
    • Witness statements.
    • Any other documents relevant to the incident, including Summons, Legal Notice etc.
    • Any other information you would like to share with us.
    Procedure
    • Inform our Corporate Claims Dept. immediately (at the address given below) giving full details of the incident
    • Do not commit any benefit/compensation or enter into any agreement.
  • Hijack
    Documents Required*
    • Full statement of the facts in writing.
    • Claim Form
    • Airline correspondence (copy of Passenger List etc.)
    • Copy of ticket / Boarding Pass
    Procedure
    • Claim Form can be obtained from our Service Center
    • Fill in the Claim Form and send all documents to our Corporate Office at the address given below
  • Accidental Death & Dismemberment
    Documents Required*
    • Tata AIG General Insurance Company Limited Claims Department will advise on documentation, upon receipt of claim notification.
    Procedure
    • Collect all documents pertaining to the loss including correspondence with Carrier and send to Corporate Office at the address given below.
    • Claim Form can be obtained from our Service Center.
    * Note: We may call for additional documents/ information as relevant. ** If any hospital does not submit a bill to you for the treatment/service rendered, please intimate our Service Center before you leave the hospital.
 
 
 Corporate
  • Immediate Action upon a Loss
    • Take all steps to minimize loss (e.g. fire fighting/-shifting material to safe place following Fire/ Flood/Accident/ Transit loss etc.)
    • Take few photographs of location and affected items.
    • Call the Engineer / Contractor / Supplier to analyze actual loss / damage - obtain detailed estimate of repairs
    • Fully co-operate with the Surveyor in loss minimization/ control and in arranging inspection of items damaged.
    • In respect of LOP, take all reasonable steps to restore the "Normalcy" position.
 
 
 Fire Insurance
Basic Documents Required
  • Claim Form duly filled in & signed.
  • F.I.R, if filed.
  • Fire Brigade Report (internal or external or both as the case may be).
  • Forensic Departments report, if applicable.
  • Laboratory test report together with the mandate given, if applicable.
  • Record of Labour involved in activities related to claim.
  • Original Repair/ Replacement Bills with receipt.
  • Photographs if arranged.
  • Departmental Note on the incident.
Fire Loss Of Profits Insurance - Basic Documents Required:
  • Claim Form duly filled in & signed.
  • F.I.R, if filed.
  • Books of accounts.
  • Activities carried out at other premises.
  • Details of Savings in Standing Charges.
  • Details of Increased Cost of Working
  • Details of trends in business.
We may request for additional documents, if required, depending on the case.
 
 
 Marine Insurance
Ocean Transit
  • Claim Form duly filled in & signed.
  • Original Policy/ Certificate.
  • Short Landing Certificate / Landed But Missing Cargo / Damage Certificate (as applicable).
  • Suppliers Invoice.
  • Packing List.
  • Quadruplicate copy of Bill of Entry.
  • Original Policy / Certificate.
  • Steamer Survey report in original. (if arranged)
  • Copy of Claim Notice served on Carrier / Port authorities along with postal acknowledgement card.
  • Copy of correspondence with the carrier/ Port authorities/ Customs authorities.
  • Copies of Correspondence exchanged with the suppliers (reply from suppliers is a must) in connection with short packing (if applicable).
  • Lost Overboard Certificate from the Port Trust countersigned by the master of the vessel or steamer agents (in respect of Loss Over Board/ Sling Losses).
  • Original Repair Bills with receipt/ Proforma Invoice for value of items lost/ damaged.
  • Copy of Application filed with Customs for refund of Duty (if applicable).
  • Photographs if arranged.
  • Letter of Subrogation cum special power of Attorney.
Inland Transit (Rail)
Basic Documents Required
  • Claim Form duly filled in & signed.
  • Original Policy/ Certificate.
  • Open delivery Certificate or copy of application for open delivery, Reply received from the Railways refusing open delivery, Copy of the letter of protest sent to Railways with the acknowledgement thereto and certified extract of the remarks made in the station delivery or complaints book.
  • Suppliers Invoice.
  • Packing List.
  • Copy of Claim Notice served on Railway along with postal acknowledgement card.
  • Original Policy/ Certificate.
  • Copy of correspondence with the Railways.
  • Copies of Correspondence exchanged with the suppliers(reply from suppliers is a must) in connection with short packing. (if applicable)
  • Original Railway Receipt.
  • Original Repair Bills with receipt/ Proforma Invoice for value of items lost/ damaged.
  • Photographs if arranged.
  • Letter of Subrogation cum special power of Attorney.
Air Transit
Basic Documents Required
  • Claim Form duly filled in & signed.
  • Original Policy/ Certificate.
  • Original Airway Bill.
  • Quadruplicate copy of bill of Entry.
  • Suppliers Invoice.
  • Packing List.
  • Copy of Claim Notice served on carriers along with postal acknowledgement card.
  • Copy of correspondence exchanged with the carriers.
  • Copies of correspondence exchanged with the suppliers (reply from suppliers is a must) in connection with shortpacking (for short receipt claims).
  • Original Non Delivery Certificate (for Non Delivery Claims).
  • Original Short Delivery Certificate (for Short Delivery Claims).
  • Original Repair Bills with receipt/ program invoice for value of items lost/ damaged.
  • Photographs if arranged.
  • Letter of Subrogation cum special power of Attorney.
Postal Transits
Basic Documents Required
  • Claim Form duly filled in & signed.
  • Original Policy/ Certificate.
  • Original Post Parcel Receipt.
  • Suppliers Invoice.
  • Copy of Claim Notice served on Postal Authorities along with postal acknowledgement card.
  • Copy of correspondence exchanged with the Postal authorities.
  • Original Non Delivery Certificate (for Non Delivery Claims).
  • Original Short Delivery Certificate (for Short Delivery Claims).
  • Original certificate of damage/ loss issued by the postal authorities (for Shortage/Damage Claims).
  • Letter of Subrogation cum special power of Attorney.
We may request for additional documents, if required, depending on the case.
 
 
 Engineering Insurance
Basic Documents Required
  • Claim Form duly filled in & signed
  • Original Repair Bills with receipt.
  • Photographs if arranged.
  • Log book details / extracts.
  • Repair agency's report detailing their findings on Cause and the repair procedure suggested.
  • Departmental Note on incident and repairs to be undertaken.
  • Specification of Repair form filled by the repairer.
Machinery Loss of Profits Insurance
Basic Documents Required
  • Claim Form duly filled in & signed.
  • Books of Accounts.
  • Record of Labour involved in activities related to claim.
  • Details of Savings effected in Standing Charges.
  • Details of Savings effected in Standing Charges.
  • Details of Increased Cost of Working.
  • Details of Trends of Business.
Marine Cum Erection All Risks Insurance
Basic Documents Required
  • Claim Form duly filled in & signed.
  • Record of Labour involved in activities related to claim.
  • Inventory of Loss.
  • Original Repair Bills with receipt.
  • Photographs if arranged.
  • Makers report detailing Extent of Loss, Cause and suggested repair procedure.
Contractors All Risks Insurance
Basic Documents Required
  • Claim Form duly filled in & signed
  • Record of Labour involved in activities related to claim.
  • Inventory of Loss.
  • Abstract of relevant portion of Running Account Bill.
  • Original Repair Bills with receipt.
  • Photographs if arranged.
Boiler & Pressure Vessel Insurance
Basic Documents Required
  • Claim Form duly filled in & signed.
  • Original Repair Bills with receipt.
  • Details of Third party Claims.
  • Photographs if arranged.
  • Boiler Inspectorate's report.
Electronic Equipment Insurance
Basic Documents Required
  • Claim Form duly filled in & signed.
  • Original Repair Bills with receipt.
  • Photographs if arranged.
  • AMC/ Repair agency's report detailing Extent of damage, Cause and suggested repair procedure.
  • Report filed by the AMC in the visit immediately preceding the Loss Date.
We may request for additional documents, if required, depending on the case.
 
 
 Miscellaneous Insurance
Burglary Insurance
Basic Documents Required
  • Claim Form duly filled in & signed.
  • Claim Bill with supporting documents.
  • First Information Report / Final Investigation Report.
  • Photographs if arranged.
  • Letter of Indemnity.
Baggage Insurance
Basic Documents Required
  • Claim Form duly filled in & signed.
  • F.I.R / Final Investigation Report/ Certificate from transport agency.
  • Claim Bill.
  • Document to substantiate loss.
  • Letter of Indemnity
Cash in Transit Insurance
Basic Documents Required
  • Claim Form duly filled in & signed.
  • Claim Bill.
  • F.I.R / Final Investigation report.
  • Statement of Witnesses, if any
  • Document to substantiate loss.
  • Records of Departmental proceedings where applicable.
  • Letter of Indemnity.
Fidelity Guarantee Insurance
Basic Documents Required
  • Claim Form duly filled in & signed.
  • Details of amounts / deposits adjustable towards the claim.
  • Claim Bill.
  • F.I.R / Final Investigation report.
  • Document to substantiate loss.
  • Notarized written statements from the employee concerned/ other relevant persons.
  • Records of Departmental proceedings where applicable.
  • Letter of Indemnity
Workmen's Compensation Insurance
Basic Documents Required
  • Claim Form duly filled in & signed.
  • Claim Bill.
Temporary Disablement Claims:
  • Medical Certificate regarding Cause & Duration of Disablement.
  • Medical Bills.
Permanent Disablement Claims:
  • Medical Certificate regarding Disablement.
  • Memorandum of Agreement as per W.C Act between Insured and the injured workman.
Fatal Claims:
  • Death certificate.
  • Copy of post Mortem report.
  • F.I.R / Final Investigation report?
  • Form A of W.C Act duly completed by the Insured.
  • Statement of Witnesses, if any?
Note:
  • The documents mentioned above are primary documents and further documents/Clarifications as deemed fit may have to be called.
  • Provisions relating to MODVAT to be understood and adjusted accordingly in the Claim.
Fidelity Guarantee Insurance
  • Claim Form duly filled in & signed.
  • Details of amounts / deposits adjustable towards the claim.
  • Claim Bill.
  • F.I.R / Final Investigation report.
  • Document to substantiate loss.
  • Notarized written statements from the employee concerned/ other relevant persons.
  • Records of Departmental proceedings where applicable.
  • Letter of Indemnity
We may request for additional documents, if required, depending on the case.
 
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