A claim is a formal request you submit to your insurance company for reimbursement of a covered expense. When you pay for a health service — such as a prescription, dental visit, or physiotherapy session — you submit the receipt and relevant details to your insurer, who processes the claim and reimburses you according to your plan terms. Claims can be submitted electronically through an insurer's app or website, by mail, or through direct billing at the point of service. The insurer reviews each claim against your policy terms, checking the benefit category, annual maximum, deductible, co-insurance, reasonable-and-customary limits, waiting periods, and exclusions. Most insurers aim to process claims within five to ten business days. Claims submitted after your plan's filing deadline (typically 12 to 18 months after the service date) may be denied.