Kaagazaat

Health Insurance Claim Letter

At a glance

Price: Free
Stamp duty: Punjab and Chandigarh: no stamp duty is payable.
Registration: Punjab and Chandigarh: not registrable.
Witnesses: Punjab and Chandigarh: no witness is needed.

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Also called

mediclaim claim letter
hospital bill reimbursement letter
cashless claim reconsideration letter
health policy claim letter
mediclaim dava
sehat bima dava chitthi
medical insurance claim form letter

When you need it

Use this when you or a member of your family is insured under a health or mediclaim policy and has been treated in hospital, and you want to tell the insurer or its claims administrator and ask for the cost to be paid. It works for a claim after discharge, where you paid the hospital and want the money back, and for a cashless request that was refused or left unanswered, where you ask the insurer to look at it again.

It gives the policy and patient details, the illness and treatment, the dates of admission and discharge, the amount claimed and where to pay. Answer from the policy schedule and the hospital's discharge summary; say plainly whether the illness was known before the policy began and whether you have another health policy, because the insurer will ask. Papers to attach: the policy schedule and health card; the claim form completed and signed; the original hospital bills and receipts; the discharge summary; the doctor's prescriptions and investigation reports; the doctor's note on the cause of the illness; identity proof with the Aadhaar number masked; and a cancelled cheque. Send the claim within the time the policy allows; if you are late, say why. No stamp duty or registration is needed. Send the letter to the claims office or the insurer's health claims address, by hand against a stamped copy, by email with the sent copy kept, or by registered post. If the claim is rejected or not answered, use the Appeal Against Claim Rejection and then the Complaint to Insurance Ombudsman.

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See stamp duty, registration and witnesses

What follows is written for Punjab and Chandigarh. It states the position there rather than describing how it varies, so the amounts below are the ones that apply — worth confirming at the sub-registrar’s office, because rates change. If the property is anywhere else in India, none of this is yours.

Stamp duty

Punjab and Chandigarh: no stamp duty is payable. A claim letter to a health insurer asks it to perform its own contract and creates, transfers or extinguishes no right, so it is not an instrument within section 2(14) of the Indian Stamp Act, 1899, and one person signs it. A hospital may separately ask for an undertaking or an authority letter; those are other papers.

Registration

Punjab and Chandigarh: not registrable. A claim for the cost of medical treatment touches no immovable property and so lies outside section 17(1)(b) of the Registration Act, 1908. Keep the stamped copy or the delivery receipt as proof of the day the claim was lodged.

Notarisation

Punjab and Chandigarh: no notarisation is needed. The insurer may ask for a sworn statement if a bill or a document is lost; ask the claims office which of its papers it wants sworn.

Witnesses

Punjab and Chandigarh: no witness is needed. The claimant signs alone. The claim form may need the treating doctor's or the hospital's signature and seal.

Request Stamp Paper

Sample preview — placeholder answers, not your data

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HEALTH INSURANCE CLAIM LETTER

Claim for the cost of hospital treatment under a health insurance policy

Date: 5 April 2026, at Ludhiana

I am delivering this letter by hand and keeping the stamped copy.

To: The Claims Manager, Health Claims Department, Star Health and Allied Insurance Company Limited, Regional Office, SCO 12, Sector 17-E, Chandigarh 160017

From: Rajinder Kaur Bajwa, House No. 56, Sector 40-C, Chandigarh 160036 (email rajinder.bajwa@example.com, telephone +91 98765 41007)

Subject: Claim under policy no. P/141234/01/2026/003318 for the treatment of Harpreet Singh Bajwa

Sir or Madam,

1. The policy. I write about policy no. P/141234/01/2026/003318 issued by you, an individual health policy, valid from 1 April 2026 to 2 April 2026. The insured person is Harpreet Singh Bajwa, my husband, member id M-80177321. The policy is administered by Medi Assist TPA. The policy has been renewed without a break from an earlier year.

2. The treatment. Harpreet Singh Bajwa was admitted to Fortis Hospital, Phase 8, Mohali, on 3 April 2026 and discharged on 4 April 2026. The illness or injury was acute appendicitis. The treatment was an appendicectomy by keyhole surgery under general anaesthesia. The admission was an emergency.

3. How the illness began. The illness first showed itself after the policy began, and no earlier treatment was taken for it. The policy is in its second year and the illness is not one of the listed conditions.

4. The claim. I paid the hospital myself and I ask you to reimburse me. The amount I claim is ₹1,87,400 (Rupees One Lakh Eighty Seven Thousand Four Hundred only), made up as shown in the enclosed bills. I paid ₹1,87,400 (Rupees One Lakh Eighty Seven Thousand Four Hundred only) myself to the hospital. The reference of the cashless request was PA-2026-88412.

5. Other cover. The patient has no other health insurance for this treatment.

6. What I ask you to do. Please do all of the following.

(a) Register this claim from today and give me the claim number in writing.

(b) Tell me in one list, at one time, any paper you still need, and the name and number of the officer who is handling the claim.

(c) Decide the claim within the period the rules on policyholders' interests allow, and tell me the date by which you will do so.

(d) If you deduct anything from a bill, give me each deduction and its reason in writing, with the clause of the policy that you rely on.

(e) Pay the amount due by transfer to the account described in paragraph 7.

7. Where to pay. Please pay the amount to the account held by Rajinder Kaur Bajwa with HDFC Bank, Sector 40, Chandigarh, account ending 3391. I will give the full account number on your own form and not in this letter.

8. Why I am claiming now. The patient was recovering and the final bill was issued on 20 October.

Questions about this document

Does the Health Insurance Claim Letter need stamp paper or stamp duty in Punjab and Chandigarh?

Punjab and Chandigarh: no stamp duty is payable.

See the full position on stamp duty, registration and witnesses

Does the Health Insurance Claim Letter need registration in Punjab and Chandigarh?

Punjab and Chandigarh: not registrable.

See the full position on stamp duty, registration and witnesses

What does the Health Insurance Claim Letter cost on Kaagazaat?

Free.

Documents are free. Only kits are paid.

Does the Health Insurance Claim Letter need witnesses?

Punjab and Chandigarh: no witness is needed.

See the full position on stamp duty, registration and witnesses

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