such claims however circumstances need to be taken into account in india typically policyholders hesitate to discuss such issues openly and hence family members may remain unaware of such policies for a long time these issues are factored in while processing death benefit claims and are usually paid out says sahay ideally however you should keep your family members informed about the purchase of such covers and also where they are kept be it in the house or bank lockers if the insurance company asks for documents like police or hospital reports ensure that you submit them on time if it is getting delayed the nominees can always enlist the support of the life insurer he says health insurance if you are availing of the cashless facility it is the hospitals duty to complete the process and forward the preauthorisation form to the insurer on your behalf however simultaneously you would do well to touch base with your insurer through the call centre or the tpa thirdparty administrator directly this will eliminate delay in sanctioning the request due to any delay on the part of the hospital says shreeraj deshpande head health insurance future generali if it is a planned surgery or hospitalisation you can submit the preauthorisation form even before the procedure commences in case of reimbursement claims the deadline for submitting the claim along with bills is 1430 days depending on the insurer and the policy also keep an eye on the time frame for intimating the insurer you can submit the required documents later but the company could insist on being informed about the hospitalisation within seven days