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.