How to make an insurance claim?

Car Insurance Claim
Health Insurance Claim

How to claim car insurance with Roojai.com

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Car Insurance Claim

Claim consideration period

The company will pay compensation:

  • within 15 days of the compensation agreement date for voluntary insurance claims; and
  • within 7 days of the compensation agreement date for compulsory insurance claims.

(The compensation agreement date occurs once all documents have been provided, the claims have been validated, and the compensation has been agreed upon.)

Required documents for the insurance claim process

Here is the list of required documents to process your claim. Prepare them in advance to speed up the claim process. In some circumstances, some additional information may be required.

Required documents in case of damage to the insured vehicle
  • Motor accident report
  • Copy of car registration manual
  • Evidence of damages
  • Copy of the insurance policy schedule
  • Copy of the driving license of the individual driving during the accident
Required documents in case of damaged or cracked windscreen
  • Motor accident report
  • Copy of car registration manual
  • Evidence of damages
  • Copy of the insurance policy schedule
  • Copy of the driving license of the individual driving during the accident
Required documents in case of car theft
  • Motor accident report
  • Copy of identity card or passport of the car owner
  • Copy of police notice and the outcome of police proceedings
  • Letter of power of attorney from financial institutions,in case the car is under finance
  • All keys
  • Original copy of the insurance policy/ insurance policy schedule
  • The application form of transfer request issued by Department of Land Transport Original car registration manual
Required documents in case of third-party property damage

Damage to third-party vehicle

  • Evidence of damages issued by surveyor
  • Copy of the driving license of the third-party driver
  • Car repair quotation or receipt
  • Copy of identity card or passport of the car owner

Damages to Third Party Property

  • Repair quotation or receipt (for reimbursement)
  • Copy of identity card of the property owner
Required documents in case of third-party death and bodily injuries

Bodily Injury

  • Copy of third-party insurance policy certificate (if any)
  • Copy of the driving license of the third-party driver
  • Copy of identity card or passport of the injured person
  • Copy of police notice
  • Original medical invoice(s)
  • Medical certificate

Death

  • Copy of identity card or passport of the deceased
  • Copy of death registration certificate
  • Copy of identity card of the legitimate heir
  • Copy of bank book of the claimant or legitimate heir
Required documents in case of death and bodily injuries (Compulsory Motor Insurance)

Bodily Injury

  • Copy of police notice
  • Copy of identity card or passport of the injured person
  • Original medical invoice(s)
  • Medical certificate (if any)

Death

  • Copy of death registration certificate
  • Copy of identity card of the legitimate heir

Permanent disability

  • Disabled card

Health Insurance Claim

Claim consideration period

The company shall pay compensation within 15 days from the date that the company has obtained complete and accurate evidence of loss or damages. In the event of the Insured party’s death, the company shall pay for the beneficiary named in the Schedule and/or in the renewal warranty.

In the case that there is any suspicion that a claim does not comply with the insurance coverage agreement of the policy, such period may be extended as necessary but not exceeding 90 days from the date that the company gets claim evidence completely and correctly.

Claim and Evidence Submission

Compensation Benefits from Cancer

The company shall pay compensation as per the sum insured stated in the Schedule and/or the renewal insurance certificate after which, the Cancer insurance coverage under this policy will be terminated. The Insured, or representative of such a person, depending on circumstances, must submit the following documents or evidence at their own expense to the company within 30 days of getting the results of a medical diagnosis.

  • The Company’s completed claim form
  • Medical reports that identify symptoms, the results of diagnosis and medical treatment
  • A copy of an ID card or passport of the Insured
  • Laboratory biopsy results
  • Other documents requested by the Company as necessary (if any)
Death benefit from Cancer

If the insured, or representative of such person, depending on circumstances didn't claim for compensation benefits and then the insured person died from Cancer, the beneficiary, or representative of such person, depending on circumstances, must submit the following documents or evidence at their own expense to the company within 30 days from the date.

  • The company’s completed claim form
  • A copy of a death certificate
  • A copy of an autopsy report certified by the police (the case owner) or the organization that issued the report.
  • A copy of the police journal certified by the police (the case owner)
  • A copy of an ID card or passport and the house registration certified death status of the Insured
  • A copy of an ID card or passport and house registration of the beneficiary
  • Other documents requested by the company as necessary (if any)
Compensation Benefits from Any Skin Cancer

Skin Cancer means any skin cancers, except Malignant Melanoma at the Stage II or above classified by American Joint Committee on Cancer.

The Cancer policy has extended the coverage of Skin Cancer, during the period in which this insurance policy becomes effective and after the waiting period 90 days from the policy inception. If the insured gets a medical diagnosis of having Skin Cancer as defined in insurance coverage document for the first time, the company shall pay compensation as per the sum insured stated in the Schedule and/or the renewal insurance certificate. The insured must submit the following evidence at their own expense to the company within 30 days of getting the results of a medical diagnosis.

  • The company’s completed claim form
  • Medical reports that identify symptoms, the results of Diagnosis and medical treatment
  • A copy of an ID card or passport of the Insured
  • Laboratory biopsy results
  • Other documents requested by the company as necessary (if any)