The first notice of loss sets the pace of the whole claim. If it is incomplete, every later step waits for a document someone forgot to ask for.
FNOL, or first notice of loss, is the moment a policyholder tells the insurer that something has happened that may lead to a claim: a motor accident, a hospital admission, a theft or damage to property. In India it is often called claim intimation.
| Line | Typical first details | Typical early documents |
|---|---|---|
| Motor | Policy number, date, place, how it happened, vehicle location | Photos of damage, licence, registration, FIR where needed |
| Health | Policy or member ID, patient, hospital, admission date, cashless or reimbursement | Admission note, bills and discharge summary later |
| Property | Policy, location, cause, date | Photos, estimates, reports where needed |
Exact documentation and intimation requirements depend on your policy wording and applicable rules; confirm them with your claims and compliance teams.
AutoClaims is built for general and health insurers and their TPAs. Customers register a claim on WhatsApp or the portal; photos, bills, discharge summaries and FIRs are read and structured on arrival; cover, waiting periods and limits are checked against the policy. Each claim is triaged by your rules into fast track, standard or investigate, with the reason, and suspicious ones are flagged before payout. Garages, hospitals and surveyors are booked, every step is pushed to the customer, and payouts are approved by people under maker-checker and written through your APIs. Renewals are worked by segment, early, with payment links on WhatsApp. Adjusters and investigators keep every judgement that needs a person.
First notice of loss: when the policyholder first tells the insurer about an event that may lead to a claim. In India it is often called claim intimation.
Yes, if the insurer offers it: the customer reports the loss, shares photos and documents in the chat and receives a claim number and updates.
The policy, who is reporting, what happened, when and where, and the first photos or documents for that line of business.
See it on your own data. AutoClaims — Claims without the status calls. Book a 30-minute working session with an engineer.
