Health claim
Hospital name, doctor, admission date, and the initial diagnosis. Kawach co-ordinates cashless admission directly with the hospital.
No paper trails, no fax machines, no case-reference rotations. One form, one advisor, one follow-up call — and a decision in your inbox within 48 hours. Guaranteed, or the year's premium is waived.
You'll talk to the same person from submission to settlement. No ticket queue, no new context needed on every call.
Open the Kawach app or call the 24/7 hotline. A short form captures what you need us to know — it takes under 5 minutes.
Within 6 hours (usually much sooner). They confirm the details, list exactly what documents are needed, and set a tracking link.
Health claims go to an MD on our panel. Life and property claims go to a human adjuster. No outsourced review, no AI rubber-stamp.
Once approved, funds are transferred same-day. Median settlement in 2025 was 41 hours from submission.
Kawach pre-fills most of it from your policy, but having these handy speeds things up.
Hospital name, doctor, admission date, and the initial diagnosis. Kawach co-ordinates cashless admission directly with the hospital.
Death certificate, policyholder's ID, and nominee ID. We handle the FIR coordination if required.
Photos of the damage, an approximate date, and a police FIR for theft or malicious damage. Our assessor visits within 48 hours.
It's not a marketing line. It's clause 4.2 of every Kawach policy. If we don't settle your eligible claim within 48 hours, we waive your annual premium — no paperwork, no appeal required.
Quarterly settlement medians published on our trust page — unedited.
No AI final-decision. Every claim over ₹1 L is signed off by a named adjuster.
The 48-hour clause is in your policy contract. Keep the PDF. Remind us if we ever slip.
Speak to a real advisor — not an IVR. Average pick-up in 2025: 28 seconds. Medical or property emergency? Call first, paperwork later.