Insurance Claims

We make the claims process as smooth and stress-free as possible. Our team is with you every step of the way.

How It Works

Our 5-Step Claims Process

VIRAM handles the complexity — you focus on recovery. Our team is your dedicated claims advocate from start to finish.

Call or WhatsApp us immediately after the incident. Our 24/7 support will guide you through the initial steps and document the claim.

We register the claim with your insurer on your behalf. For health claims, we get the cashless authorization processed directly.

We provide a clear checklist of required documents and assist you in gathering and submitting them accurately and quickly.

For motor and property claims, a surveyor is deputed. We coordinate and ensure the assessment is fair and comprehensive.

Once approved, the settlement is processed by the insurer. We monitor and escalate if there are any delays on your behalf.

Documents Required

Quick document checklist for each claim type.

Need help with your claim? Our team is available 24/7.

Our Promise

We acknowledge every claim within 24 hours and immediately assign a dedicated claims manager.

You get a personal claims expert who represents your interests with the insurer throughout the process.

You're informed at every stage — from lodgement to settlement. No surprises, no unexplained delays.

We help gather, verify and submit all required documents, minimising rejection risk.

Don't navigate the claims process alone. Contact VIRAM now and we'll handle it for you.