Zuno Health Insurance Claim Settlement

The reimbursement claim is filed in both network hospitals and non-network hospitals. The process includes the following steps:

• Inform Edelweiss General Insurance as soon as possible - both in planned and emergency hospitalisation. It is normally 48 hours in emergency hospitalisation and 72 hours in case of planned hospitalisation
• Collect discharge summaries, hospital bills, invoices, medical reports, etc. from the hospital. Make sure the documents are hospital-sealed
• Download the ‘Claim Form’ from the insurer’s website then, fill it out properly and sign it
• Annex a valid photo ID and a cashless card
• Send all the documents to the address of Edelweiss General Insurance
• After reviewing the claim form and documents, the insurer approves the claim. However, the approval is subject to the policy terms and conditions

Find a list of documents you should submit in case of the reimbursement claim settlement:

• Investigation reports (original)
• The discharge summary from the hospital
• Pharmacy bills along with the prescription
• FIR or post-mortem report if any
• Original bills, receipts, and discharge report
• Duly filled claim form and indoor case papers
• Original hospital bills and a valid photo ID
• Doctor's report and original consultation notes
• The surgeon's bill and the nature of the operation performed
• Test reports along with attending doctor’s report
• A canceled cheque with your name on it or bank account details

Incurred Claims Ratio (ICR) is an important approach to finding the best insurance company. It enables you to know whether or not the company is able to pay the claims. Every year IRDAI (Insurance Regulatory and Development Authority) reveals the data of the ICR in its annual report. The Edelweiss General Insurance claim settlement ratio for FY 2018-19 is 115%.