To file a claim, simply contact our customer service at 042 111 11 9878 or submit your claim through our mobile app. You'll need to provide your policy number, medical documents, and hospital bills. Our team will guide you through the entire process and ensure quick processing within 24-48 hours.

Required documents include: Original hospital bills and receipts, Discharge summary, Diagnostic reports and test results, Prescription and medication bills, Policy document copy, Valid ID proof, and Claim form (available on our website or app). Additional documents may be requested based on the type of claim.

Once all required documents are submitted and verified, claim reimbursement typically takes 7-10 business days. For cashless hospitalization, approval is provided within 2-4 hours. You can track your claim status in real-time through our mobile app or website.

Claims may be denied if: Pre-existing conditions not disclosed at the time of policy purchase, Treatment for conditions excluded in the policy, Claims filed after the policy expiration date, Fraudulent or false information provided, Treatment taken at non-network hospitals without prior approval for cashless claims, or Self-inflicted injuries.

Postpaid customers are covered immediately upon successful enrollment and first premium payment. However, there is a 30-day waiting period for most illnesses and a 2-year waiting period for pre-existing conditions. Accidental hospitalization is covered from day one without any waiting period.

If your number remains inactive during the billing cycle, your policy will be temporarily suspended. However, you have a grace period of 30 days to reactivate your number and pay pending premiums. After reactivation, your coverage will resume. If the number remains inactive beyond 90 days, the policy will be terminated.

No, charges are not deducted daily. For postpaid customers, insurance premiums are added to your monthly mobile bill. The premium is calculated on a monthly basis and will appear as a separate line item on your bill. You can view the breakdown in your monthly statement.

You can unsubscribe anytime by: Calling our customer service at 042 111 11 9878, Sending an SMS with "UNSUB BIMA" to our service number, Using the unsubscribe option in the mobile app, or Visiting any of our service centers. Please note that unsubscription will be effective from the next billing cycle.

If you deregister before the bill date, you will be charged a pro-rated premium for the days you were covered. Any claims filed during the active period will be processed normally. However, no refund will be provided for partial month coverage. The service will be terminated at the end of the current billing cycle.

If your bill remains unpaid, your insurance coverage will be suspended after the grace period (typically 30 days). During the suspension period, you will not be eligible to file new claims. However, once you clear all pending dues, your coverage will be reinstated, and you can file claims for incidents occurring after reinstatement.

Yes, you can subscribe to BIMA service while roaming internationally. However, the coverage is primarily valid for medical treatment within your home country. If you require international coverage, please contact our customer service to explore our international health insurance plans that provide worldwide coverage.

Standard BIMA policies cover treatment within the home country only. For international claims, you would need to upgrade to our international coverage plan. If you have international coverage, claims will be processed based on reasonable and customary charges in that country, with currency conversion at prevailing exchange rates. Emergency medical evacuation may also be covered under premium plans.