Do you handle claims if I did not buy the policy from you?

Yes. We manage claims for businesses and for families whose policy was placed by another advisor or agent, as a separate written engagement. You keep your existing advisor and your policy.

Is claims management free for RFS clients?

Yes. If Rakshit Financial Services placed the policy, running the claim is part of the advisory relationship and there is no separate fee or engagement.

What kinds of claim does the desk take?

Business claims: fire and allied perils, marine cargo and transit, machinery breakdown, burglary, workmen compensation, public and product liability, cyber and commercial motor. Household claims: car and two-wheeler, health and critical illness, life and personal accident, home and travel.

Business and household claims · across India

After a loss, somebody has to run the claim.

A godown that burned, a consignment that never arrived, a car, a hospital bill, a policy on somebody who has died. We take the claim from the day of the loss to the day it is paid. The intimation, the surveyor, the documents, the arguments, all of it, so the people it happened to can get on with the rest of it.

Report a lossor call the desk92514 56334

Claim refused or cut short?What to do about it

A surveyor's sketch of a fire-damaged godown: the damage circled and numbered, stock spilled at the bay, a claim checklist being ticked off — Fig. 1. A surveyor’s marked-up sketch of a godown fire. An illustration.

Included for RFS clients

If Rakshit Financial Services placed the policy, running the claim is already part of it.

Policies placed elsewhere

A separate engagement, agreed in writing before any work starts.

One person owns the file

One named person, from the first call to the day the claim is paid.

Your claim, online

See where it stands, what the desk is waiting on, and send documents from your phone.

We take claims on policies we did not sell

the part that is unusual

Most advisors will only handle a claim on a policy they placed. That leaves a business, or a family, whose agent has gone quiet with nowhere to go, at the one moment the cover is supposed to matter.

If RFS placed the policy

Then the claim is already our job. Standing between you and your insurer when something has gone wrong is what an advisor is for, and it is not a separate product.

There is no engagement to sign and nothing further to agree. Tell us what has happened and the desk opens a file the same day.

No separate fee. It is part of what you already have.

If somebody else placed it

We take it anyway. You do not have to move your policy, leave your advisor or fall out with your agent. They stay exactly where they are, and we work the claim alongside them.

Most of the businesses that reach this desk are in this position: a policy bought years ago through someone who has not been seen since the loss. That is a claims problem, not a loyalty problem.

A separate engagement, agreed in writing before any work starts. You will know the basis before you commit.

And sometimes the question is not whose policy it is but which one. A loss with no policy of yours behind it can still sit inside somebody else’s.

Claims are not usually refused. They are narrowed.

and it starts before the loss

A sum insured set two renewals ago, an intimation sent on Thursday instead of Monday, a godown swept out before anybody photographed it. All three happen while people are trying to be helpful, and together they cost more than every outright refusal in the market.

What actually goes wrong

The sum insured was set to keep the premium down
The insurer was told late
The evidence was cleared before anyone saw it
A condition in the wording was not met
Something was signed too early

What the desk does instead

The intimation, worded properly, sent the right day
What not to move, clean, repair or scrap
The surveyor met with your papers ready
Every deduction traced to a clause and a number
One named person who owns the file

All nine, and what to do about each What nobody tells you

What happens on the first day

in the order it happens

1The reportYou tell us what happened
Seven answers on the form, or a phone call. The file opens the same day.
2The callSomebody from the desk calls you
The first question is the date of loss: every deadline runs from it.
3The insurerThe insurer is told in writing
If it has not been already, even in one line. We can draft it.
4The siteNothing is moved or scrapped
Until the surveyor has seen it, unless safety requires it.
5Your fileYour claim file opens online
Where it stands, what the desk is waiting on, and a place to send documents.

The paper that ends a claim is the discharge voucher, and it is sometimes handed over under a gentler name. Signing one closes the amount, and reopening it afterwards is very hard. Send it to us first.

Already reportedOpen your claim file →

Everything we handle, with the paperwork it needs

39 claim types, business and household

Everything a business buys and everything a household does, arranged twice over: by the policy you hold, and by the thing that happened. Each page lists the documents an insurer will ask for and what they most often rely on to reduce a claim.

A godown on fire — Fire and allied perils

A shipping container with a stove-in corner and a broken seal — Marine cargo

An itemised hospital bill, an authorisation form and a health card — Health, illness and life

Fire and Special PerilsBuildings, plant, machinery, stock and contents Inland TransitGoods damaged, short-delivered or lost in transit Machinery BreakdownSudden electrical or mechanical failure of plant Burglary and TheftTheft involving forcible entry to the premises Business InterruptionGross profit lost while you cannot trade Public LiabilityInjury or damage to somebody outside the business

Private CarYour own car, and what you owe whoever it hit Health InsuranceHospital treatment, cashless or reimbursed Critical IllnessA lump sum on the diagnosis, whatever treatment cost Life Insurance Death ClaimThe sum assured, paid to the nominee Home InsuranceThe house, and everything inside it Travel InsuranceTreatment abroad, a trip cut short, a bag lost

All 39 in the claims library

We are the advisor as well as the desk

which is the point

Most claims work is done by people who never saw the policy being bought.

We place cover too. That means the sum insured gets argued about before it matters, the warranties get read out loud to the person who runs the shift, and the loss you are most afraid of gets walked through the wording while there is still time to change the answer.

The seven questions we ask first The advisory practice, rakshitinsurance.com

Asked while the policy is being placed

What it would cost to rebuild, not what it cost to buy
Stock at its peak, not on an average day
Everything you own that is somewhere else
The warranties you can actually keep every day
How long you would really be down
Who is on site, and whose employee they are

You have had a loss

Tell us today, even if you have already told the insurer.

The first seventy-two hours decide more of a claim than the next seventy-two days.

Report a loss 92514 56334

The claim has gone wrong

Refused, stalled, or an offer well below what the loss cost.

There is usually more room than the letter suggests, and a time limit on using it.

What to do about it

The desk · Rakshit Financial Services · Claims across India