In-Person Submission: Visit the nearest Lifeguard office with physical copies of your documents.
Step 4: Claim Review
Our claims team will carefully review your submission for accuracy and completeness. You’ll receive timely updates via email or SMS on the progress of your claim.
Step 5: Claim Settlement
Once your claim is approved, the settlement process begins:
For cashless claims: the payment is processed directly with the hospital.
For reimbursement claims: the approved amount will be transferred to your bank account.
Types of Claims
Cashless Claims
Access quality healthcare at our network hospitals without any upfront payments.
How to Use Cashless Claims:
Select a hospital from our extensive Network Hospitals List.
Present your Lifeguard policy ID card at the hospital’s helpdesk.
The hospital coordinates directly with us to cover the approved expenses.
Reimbursement Claims
If you pay out-of-pocket for treatment at a non-network hospital, you can apply for reimbursement.
Steps for Reimbursement Claims:
Collect and keep all original bills, prescriptions, and reports.
Submit your claim and documents through your preferred method (online, email, or in-person).
Once approved, the reimbursement will be credited to your bank account.
Track Your Claim
Stay informed about your claim status with these options:
SMS Updates
Receive claim progress notifications on your phone.
