Insurance Claim: In how many days does one get an accident claim?

The time it takes to receive an accident insurance claim payout depends on several factors, including the type of policy (health, life, motor), the insurer’s process, and the completeness of your documentation. However, most accident claims in India are settled within 7 to 30 working days, after all required documents are submitted.

🕒 Average Time to Get an Accident Insurance Claim

⏳ These timelines are from the date of submitting all required and correct documents.

✅ How to Speed Up Your Claim Process

1. File the FIR immediately (if required)

2. Inform the insurance company within 24–48 hours

3. Submit accurate and complete documents

4. Follow up regularly via customer service or claim tracking

5. Keep photos, receipts, and hospital bills ready

📑 Documents Required for Accident Insurance Claim

For Motor Accident Claims:

• Copy of insurance policy

• RC of the vehicle

• Driving license

• FIR copy

• Estimate of repairs

• Photos of damage

• Bills and payment receipts

For Health/Personal Accident Claims:

• Policy copy

• Hospital bills and discharge summary

• Diagnostic test reports

• Doctor’s prescription

• FIR (if applicable)

• Claim form

For Accidental Death Claims (Life Insurance):

• Death certificate

• FIR & post-mortem report

• ID proof of nominee

• Policy documents

🚨 What Delays a Claim?

• Missing or incorrect documents

• Delay in reporting the accident

• Investigation in case of suspicious claims

• Unavailability of witnesses or FIR

• Policy lapses or exclusions

💬 Final Word

Most insurers try to process claims as quickly as possible—often within two to three weeks if everything is in order. If the claim takes longer than 30 days without a valid reason, you can escalate the issue to:

• The Insurance Ombudsman

• IRDAI (Insurance Regulatory and Development Authority of India) via igms.irda.gov.in