Insurance Claims Support
BFS handles your claim from start to finish. We liaise with the insurer, prepare documents and follow up proactively so you can focus on recovery, not paperwork.
Get Claims Assistance
Tell us about your claim — we'll guide you through.
Step-by-Step
Your Claims Guide
Admission Intimation
Inform BFS or the insurer within 24 hours (6 hours for emergency) of hospitalisation. Call or WhatsApp us — we handle everything.
Show e-Card at Hospital
Present your digital insurance card at the hospital's insurance desk. The hospital sends a pre-authorisation request to the insurer.
Pre-Authorisation Approval
The insurer reviews the request and sends approval (usually within 1–4 hours). In emergency, treatment starts immediately.
Treatment & Discharge
Receive treatment. At discharge, sign the claim form. The hospital directly bills the insurer for covered expenses.
Settlement
The insurer settles the bill directly with the hospital. You only pay non-covered expenses (if any).
Documents Checklist
- Claim form signed by insured and doctor
- Original hospitalisation bills and receipts
- Discharge summary with diagnosis codes
- All pharmacy bills and prescriptions
- Doctor's referral letter
- Previous relevant medical records
- KYC of insured (Aadhaar/PAN)
- Bank account details for NEFT
Need help collecting documents?
Let BFS Handle ItNeed to file a claim right now?
About BFS
Built on Trust. Driven by Results.
Brothers Financial Solutions (BFS) is a financial advisory firm creating tailor-made financial solutions for clients. We help manage investments and reach financial goals through our team of experts with over 25 years of experience.
Over the years, we have helped over 12,000 clients across the country, who continue to refer us for our services — a huge testimony to our ideology.
Founded by Umesh Kedia, BFS has grown from a single-office practice in Kolkata into one of Eastern India's most trusted wealth advisory firms, managing ₹1,500Cr+ in assets across insurance, mutual funds, PMS & AIF.
₹1,500Cr+
Assets Managed
12,000+
Clients Served
25+
Years Experience
99%
Client Retention
What Drives Us
Our Core Values
Integrity
Every recommendation is driven by what's right for you — not commissions or targets. Our reputation is built on decades of honest, transparent advice.
Trust
12,000+ clients trust us with their life savings. That trust is earned through consistent performance, clear communication, and putting your interests first.
Transparency
No hidden fees, no fine print, no surprises. You deserve complete clarity on where your money goes and how it's working for you.
Expertise
Our team brings 25+ years of combined experience across insurance, mutual funds, PMS and AIF. Every client gets specialist advice.
Leadership
Meet the Team Behind BFS
Umesh Kedia
Founder & Chief Managing Partner
Mr. Umesh Kedia has over 25 years of experience in advisory, financial consultancy and portfolio management. His achievements include 100 times MDRT, 20 times COT and 40 times TOT.
Devesh Kedia, CFA
Managing Partner
CFA Charterholder and CRISIL Certified Wealth Manager. Finance graduate from St. Xavier's College with expertise in research and financial markets.
Insurance is the subject matter of solicitation
Claim-settlement ratios, timelines and processes shown here are indicative, sourced from the respective insurers, and subject to change — actual claim outcomes depend on the policy wording and the insurer's assessment. BFS assists with claim filing and follow-up but does not underwrite policies or guarantee any claim approval.