{"id":513,"date":"2026-03-13T08:04:09","date_gmt":"2026-03-13T08:04:09","guid":{"rendered":"https:\/\/navdrishti-insurance.viralweb.space\/?page_id=513"},"modified":"2026-04-16T11:16:59","modified_gmt":"2026-04-16T11:16:59","slug":"claims","status":"publish","type":"page","link":"https:\/\/navdrishtigroup.com\/insurance\/claims\/","title":{"rendered":"Claims"},"content":{"rendered":"<style>.elementor-513 .elementor-element.elementor-element-d3a1ab1{--display:flex;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}.elementor-513 .elementor-element.elementor-element-7711f00{--display:flex;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}.elementor-513 .elementor-element.elementor-element-74da551{--display:flex;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}.elementor-513 .elementor-element.elementor-element-a323f60{--display:flex;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}.elementor-513 .elementor-element.elementor-element-4e0c8c8{--display:flex;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}.elementor-513 .elementor-element.elementor-element-4f044c9{--display:flex;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}\/* Start custom CSS for html, class: .elementor-element-c6e9c4f *\/:root {\r\n  --navy: #1A3C6E;\r\n  --navy-dark: #0D1B2A;\r\n  --gold: #E8A530;\r\n  --gold-light: #F5D590;\r\n  --green: #2E7D32;\r\n  --green-light: #E8F5E9;\r\n  --light-bg: #F7F9FC;\r\n  --dark-bg: #0D1B2A;\r\n  --text: #1E293B;\r\n  --text-light: #64748B;\r\n  --white: #FFFFFF;\r\n  --border: #E2E8F0;\r\n  --shadow: 0 4px 24px rgba(13,27,42,0.08);\r\n  --shadow-lg: 0 12px 48px rgba(13,27,42,0.12);\r\n  --radius: 12px;\r\n  --radius-lg: 20px;\r\n}\r\n\r\n\/* Reset for Elementor HTML widgets *\/\r\n.ndi-section * { box-sizing: border-box; margin: 0; padding: 0; }\r\n.ndi-section { font-family: 'DM Sans', sans-serif; color: var(--text); }\r\n.ndi-section h1, .ndi-section h2, .ndi-section h3, .ndi-section h4 {\r\n  font-family: 'Plus Jakarta Sans', serif;\r\n  color: var(--navy);\r\n  line-height: 1.2;\r\n}\r\n.ndi-section a { text-decoration: none; color: inherit; }\r\n.ndi-section img { max-width: 100%; height: auto; }\r\n\r\n\/* Utility Classes *\/\r\n.ndi-container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }\r\n.ndi-btn {\r\n  display: inline-flex; align-items: center; gap: 8px;\r\n  padding: 14px 32px; border-radius: 50px; font-family: 'DM Sans', sans-serif;\r\n  font-weight: 600; font-size: 15px; cursor: pointer; transition: all 0.3s ease;\r\n  border: none; text-decoration: none;\r\n}\r\n.ndi-btn-primary { background: var(--gold); color: var(--navy); }\r\n.ndi-btn-primary:hover { background: #d4941f; transform: translateY(-2px); box-shadow: 0 8px 24px rgba(232,165,48,0.35); }\r\n.ndi-btn-secondary { background: var(--navy); color: var(--white); }\r\n.ndi-btn-secondary:hover { background: #15325c; transform: translateY(-2px); box-shadow: 0 8px 24px rgba(26,60,110,0.35); }\r\n.ndi-btn-outline { background: transparent; color: var(--navy); border: 2px solid var(--navy); }\r\n.ndi-btn-outline:hover { background: var(--navy); color: var(--white); }\r\n.ndi-btn-white { background: var(--white); color: var(--navy); }\r\n.ndi-btn-white:hover { background: #f1f5f9; transform: translateY(-2px); }\r\n.ndi-tag {\r\n  display: inline-block; padding: 6px 16px; border-radius: 50px;\r\n  font-size: 13px; font-weight: 600; letter-spacing: 1px; text-transform: uppercase;\r\n}\r\n.ndi-tag-gold { background: rgba(232,165,48,0.12); color: var(--gold); }\r\n.ndi-tag-navy { background: rgba(26,60,110,0.08); color: var(--navy); }\r\n.ndi-tag-green { background: var(--green-light); color: var(--green); }\r\n\r\n\/* Animation Keyframes *\/\r\n@keyframes ndiFadeUp { from { opacity: 0; transform: translateY(30px); } to { opacity: 1; transform: translateY(0); } }\r\n@keyframes ndiFadeIn { from { opacity: 0; } to { opacity: 1; } }\r\n@keyframes ndiSlideRight { from { opacity: 0; transform: translateX(-30px); } to { opacity: 1; transform: translateX(0); } }\r\n@keyframes ndiSlideLeft { from { opacity: 0; transform: translateX(30px); } to { opacity: 1; transform: translateX(0); } }\r\n@keyframes ndiPulse { 0%, 100% { transform: scale(1); } 50% { transform: scale(1.05); } }\r\n@keyframes ndiFloat { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-10px); } }\r\n@keyframes ndiCountUp { from { opacity: 0; transform: translateY(20px); } to { opacity: 1; transform: translateY(0); } }\r\n@keyframes ndiShimmer { 0% { background-position: -200% 0; } 100% { background-position: 200% 0; } }\r\n@keyframes ndiRotate { from { transform: rotate(0deg); } to { transform: rotate(360deg); } }\r\n\r\n.ndi-animate { opacity: 0; }\r\n.ndi-animate.ndi-visible { animation: ndiFadeUp 0.7s ease forwards; }\r\n.ndi-animate-delay-1 { animation-delay: 0.1s !important; }\r\n.ndi-animate-delay-2 { animation-delay: 0.2s !important; }\r\n.ndi-animate-delay-3 { animation-delay: 0.3s !important; }\r\n.ndi-animate-delay-4 { animation-delay: 0.4s !important; }\r\n.ndi-animate-delay-5 { animation-delay: 0.5s !important; }\/* End custom CSS *\/<\/style>\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"513\" class=\"elementor elementor-513\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d3a1ab1 e-con-full e-flex e-con e-parent\" data-id=\"d3a1ab1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c6e9c4f elementor-widget elementor-widget-html\" data-id=\"c6e9c4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- ============================================================\r\n  NAVDRISHTI \u2014 CLAIMS PAGE  |  S1: HERO\r\n  Minimal light cream bg \u00b7 Bold headline \u00b7 3 action buttons\r\n  Floating claim journey card \u00b7 Trust stat bar\r\n  Full Width \u00b7 0 Padding \u00b7 0 Margin \u00b7 All CSS !important\r\n============================================================ -->\r\n<style>\r\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Plus+Jakarta+Sans:wght@300;400;500;600;700;800&display=swap');\r\n#clh *{box-sizing:border-box!important;}\r\n#clh,#clh h1,#clh p,#clh span,#clh div,#clh a,#clh button{font-family:'Plus Jakarta Sans',sans-serif!important;line-height:normal!important;}\r\n#clh{background:linear-gradient(160deg,#FDFAF4 0%,#FAFBFF 52%,#F4F2FA 100%)!important;position:relative!important;overflow:hidden!important;padding:0!important;margin:0!important;}\r\n#clh .clh-rule{position:absolute!important;top:0!important;left:0!important;right:0!important;height:4px!important;background:linear-gradient(90deg,#333145 0%,#C9A84C 50%,#333145 100%)!important;z-index:10!important;}\r\n#clh .clh-dots{position:absolute!important;inset:0!important;pointer-events:none!important;background-image:radial-gradient(circle,rgba(51,49,69,.046) 1px,transparent 1px)!important;background-size:36px 36px!important;}\r\n#clh .clh-b1{position:absolute!important;top:-180px!important;right:-180px!important;width:680px!important;height:680px!important;border-radius:50%!important;background:radial-gradient(circle,rgba(201,168,76,.11) 0%,transparent 60%)!important;pointer-events:none!important;}\r\n#clh .clh-b2{position:absolute!important;bottom:-120px!important;left:-120px!important;width:480px!important;height:480px!important;border-radius:50%!important;background:radial-gradient(circle,rgba(51,49,69,.06) 0%,transparent 65%)!important;pointer-events:none!important;}\r\n#clh .clh-inner{max-width:1280px!important;margin:0 auto!important;width:100%!important;position:relative!important;z-index:2!important;padding:28px 48px 32px!important;display:grid!important;grid-template-columns:1fr auto!important;gap:56px!important;align-items:center!important;}\r\n\/* Eyebrow *\/\r\n#clh .clh-eyebrow{display:inline-flex!important;align-items:center!important;gap:10px!important;margin-bottom:22px!important;}\r\n#clh .clh-ey-dot{width:7px!important;height:7px!important;border-radius:50%!important;background:#C9A84C!important;animation:ndDot 2.2s ease infinite!important;flex-shrink:0!important;}\r\n#clh .clh-ey-line{width:36px!important;height:2px!important;background:#C9A84C!important;}\r\n#clh .clh-ey-txt{font-size:11px!important;font-weight:700!important;color:#C9A84C!important;letter-spacing:3px!important;text-transform:uppercase!important;}\r\n\/* H1 *\/\r\n#clh .clh-h1{font-size:clamp(40px,5.5vw,82px)!important;font-weight:800!important;color:#333145!important;line-height:1!important;letter-spacing:-3.5px!important;margin-bottom:18px!important;}\r\n#clh .clh-h1 .clh-gold{display:block!important;background:linear-gradient(90deg,#C9A84C 0%,#e8c96b 45%,#C9A84C 100%)!important;background-size:200% auto!important;-webkit-background-clip:text!important;-webkit-text-fill-color:transparent!important;background-clip:text!important;animation:ndShimmer 3.5s linear infinite!important;}\r\n#clh .clh-h1-small{font-size:.65em!important;letter-spacing:-2px!important;color:#333145!important;display:block!important;-webkit-text-fill-color:initial!important;background:none!important;}\r\n#clh .clh-sub{font-size:17px!important;color:#718096!important;line-height:1.85!important;max-width:560px!important;margin-bottom:34px!important;}\r\n#clh .clh-sub strong{color:#333145!important;font-weight:700!important;}\r\n\/* Buttons *\/\r\n#clh .clh-btns{display:flex!important;gap:12px!important;flex-wrap:wrap!important;margin-bottom:36px!important;}\r\n#clh .clh-btn{display:inline-flex!important;align-items:center!important;gap:10px!important;padding:15px 26px!important;border-radius:12px!important;font-size:15px!important;font-weight:700!important;text-decoration:none!important;transition:all .32s ease!important;cursor:pointer!important;border:none!important;white-space:nowrap!important;}\r\n#clh .clh-btn.b1{background:#333145!important;color:#fff!important;box-shadow:0 8px 24px rgba(51,49,69,.22)!important;}\r\n#clh .clh-btn.b1:hover{background:#C9A84C!important;color:#333145!important;transform:translateY(-3px)!important;box-shadow:0 14px 36px rgba(201,168,76,.35)!important;}\r\n#clh .clh-btn.b2{background:transparent!important;color:#333145!important;border:2px solid #C9A84C!important;}\r\n#clh .clh-btn.b2:hover{background:#C9A84C!important;color:#333145!important;transform:translateY(-3px)!important;}\r\n#clh .clh-btn.b3{background:#fff!important;color:#333145!important;border:1.5px solid #E2E8F0!important;box-shadow:0 4px 14px rgba(51,49,69,.07)!important;}\r\n#clh .clh-btn.b3:hover{border-color:#333145!important;transform:translateY(-3px)!important;}\r\n\/* Contact line *\/\r\n#clh .clh-contact{display:inline-flex!important;align-items:center!important;gap:16px!important;flex-wrap:wrap!important;padding:13px 20px!important;background:#fff!important;border:1.5px solid #EDF2F7!important;border-radius:12px!important;box-shadow:0 4px 16px rgba(51,49,69,.07)!important;}\r\n#clh .clh-ci{display:flex!important;align-items:center!important;gap:8px!important;text-decoration:none!important;}\r\n#clh .clh-ci-ic{font-size:18px!important;}\r\n#clh .clh-ci-t{font-size:14px!important;font-weight:700!important;color:#333145!important;}\r\n#clh .clh-div{width:1px!important;height:22px!important;background:#E2E8F0!important;}\r\n\/* RIGHT card *\/\r\n#clh .clh-card{background:#fff!important;border:1.5px solid #EDF2F7!important;border-radius:24px!important;padding:32px 28px!important;box-shadow:0 8px 40px rgba(51,49,69,.1)!important;width:310px!important;position:relative!important;overflow:hidden!important;animation:ndFloat 5s ease-in-out infinite!important;}\r\n#clh .clh-card::before{content:''!important;position:absolute!important;top:0!important;left:0!important;right:0!important;height:4px!important;background:linear-gradient(90deg,#333145,#C9A84C,#e8c96b)!important;background-size:200% auto!important;animation:ndShimmer 3s linear infinite!important;}\r\n#clh .clh-card-title{font-size:12px!important;font-weight:700!important;color:#C9A84C!important;letter-spacing:2px!important;text-transform:uppercase!important;margin-bottom:22px!important;}\r\n#clh .clh-steps{display:flex!important;flex-direction:column!important;gap:0!important;}\r\n#clh .clh-step{display:flex!important;align-items:flex-start!important;gap:12px!important;padding:10px 0!important;position:relative!important;}\r\n#clh .clh-step:not(:last-child)::after{content:''!important;position:absolute!important;left:13px!important;top:32px!important;width:2px!important;height:calc(100% - 10px)!important;background:#EDF2F7!important;}\r\n#clh .clh-sn{width:28px!important;height:28px!important;border-radius:50%!important;display:flex!important;align-items:center!important;justify-content:center!important;font-size:11px!important;font-weight:800!important;flex-shrink:0!important;position:relative!important;z-index:1!important;}\r\n#clh .clh-step.done .clh-sn{background:#22c55e!important;color:#fff!important;}\r\n#clh .clh-step.active .clh-sn{background:#C9A84C!important;color:#333145!important;animation:ndPulse 2.5s ease infinite!important;}\r\n#clh .clh-step.wait .clh-sn{background:#F4F7FC!important;border:1.5px solid #E2E8F0!important;color:#9CA3AF!important;}\r\n#clh .clh-st{font-size:13px!important;padding-top:5px!important;}\r\n#clh .clh-step.done .clh-st{color:#9CA3AF!important;text-decoration:line-through!important;font-weight:500!important;}\r\n#clh .clh-step.active .clh-st{color:#333145!important;font-weight:800!important;}\r\n#clh .clh-step.wait .clh-st{color:#CBD5E0!important;font-weight:500!important;}\r\n#clh .clh-card-status{background:rgba(34,197,94,.08)!important;border:1px solid rgba(34,197,94,.2)!important;border-radius:8px!important;padding:10px 14px!important;font-size:13px!important;font-weight:700!important;color:#16a34a!important;display:flex!important;align-items:center!important;gap:8px!important;margin-top:16px!important;}\r\n\/* Bottom trust strip *\/\r\n#clh .clh-trust{background:#fff!important;border-top:1px solid #EDF2F7!important;position:relative!important;z-index:2!important;}\r\n#clh .clh-trust-inner{max-width:1280px!important;margin:0 auto!important;display:flex!important;align-items:center!important;justify-content:center!important;padding:18px 48px!important;gap:0!important;flex-wrap:wrap!important;}\r\n#clh .clh-ti{display:flex!important;align-items:center!important;gap:10px!important;padding:8px 28px!important;border-right:1px solid #EDF2F7!important;cursor:default!important;}\r\n#clh .clh-ti:last-child{border-right:none!important;}\r\n#clh .clh-ti-ic{font-size:20px!important;}\r\n#clh .clh-ti-n{font-size:17px!important;font-weight:800!important;color:#333145!important;}\r\n#clh .clh-ti-n em{font-style:normal!important;color:#C9A84C!important;}\r\n#clh .clh-ti-l{font-size:10px!important;font-weight:600!important;color:#A0AEC0!important;text-transform:uppercase!important;letter-spacing:.7px!important;}\r\n@media(max-width:1100px){#clh .clh-inner{grid-template-columns:1fr!important;padding:80px 24px 52px!important;}#clh .clh-card{width:100%!important;animation:none!important;}#clh .clh-trust-inner{padding:14px 24px!important;gap:0!important;}}\r\n@media(max-width:640px){#clh .clh-h1{font-size:44px!important;letter-spacing:-2px!important;}#clh .clh-btns{flex-direction:column!important;}#clh .clh-btn{justify-content:center!important;}#clh .clh-ti{padding:8px 14px!important;}}\r\n<\/style>\r\n\r\n<div id=\"clh\">\r\n  <!--<div class=\"clh-rule\"><\/div>-->\r\n  <div class=\"clh-dots\"><\/div><div class=\"clh-b1\"><\/div><div class=\"clh-b2\"><\/div>\r\n  <div class=\"clh-inner\">\r\n    <!-- LEFT -->\r\n    <div>\r\n      <div class=\"clh-eyebrow nd-reveal\"><div class=\"clh-ey-dot \"><\/div><div class=\"clh-ey-line\"><\/div><span class=\"clh-ey-txt\" >Claim Support \u00b7 Navdrishti Group<\/span><\/div>\r\n      <h1 class=\"clh-h1 nd-reveal\" data-d=\"0.05\">\r\n        We Don't Just<br>\r\n        <span class=\"clh-gold\">Settle Claims.<\/span>\r\n        <!--<span class=\"clh-h1-small\">We Fight for Them.<\/span>-->\r\n      <\/h1>\r\n      <p class=\"clh-sub nd-reveal\" data-d=\"0.1\">From the moment you call us to the day you receive your settlement \u2014 <strong>Navdrishti handles everything.<\/strong> Hospital, TPA, insurer \u2014 we coordinate directly so you never have to chase anyone.<\/p>\r\n      <div class=\"clh-btns nd-reveal\" data-d=\"0.14\">\r\n        <a href=\"https:\/\/wa.me\/919899110066?text=I%20want%20to%20file%20a%20new%20claim\" target=\"_blank\" class=\"clh-btn b1\">\ud83d\udee1\ufe0f File a New Claim<\/a>\r\n        <a href=\"https:\/\/wa.me\/919899110066?text=I%20want%20to%20track%20my%20existing%20claim\" target=\"_blank\" class=\"clh-btn b2\">\ud83d\udccb Track Existing Claim<\/a>\r\n        <a href=\"tel:+919899110066\" class=\"clh-btn b3\">\ud83d\udcac Get Claim Assistance<\/a>\r\n      <\/div>\r\n      <!--<div class=\"clh-contact nd-reveal\" data-d=\"0.18\">-->\r\n      <!--  <a href=\"tel:+919899110066\" class=\"clh-ci\"><span class=\"clh-ci-ic\">\ud83d\udcde<\/span><span class=\"clh-ci-t\">97117 78778<\/span><\/a>-->\r\n      <!--  <div class=\"clh-div\"><\/div>-->\r\n      <!--  <a href=\"https:\/\/wa.me\/919899110066\" target=\"_blank\" class=\"clh-ci\"><span class=\"clh-ci-ic\">\ud83d\udcac<\/span><span class=\"clh-ci-t\">WhatsApp 24\u00d77<\/span><\/a>-->\r\n      <!--  <div class=\"clh-div\"><\/div>-->\r\n      <!--  <a href=\"mailto:info@navdrishtigroup.com\" class=\"clh-ci\"><span class=\"clh-ci-ic\">\u2709\ufe0f<\/span><span class=\"clh-ci-t\">info@navdrishtigroup.com<\/span><\/a>-->\r\n      <!--<\/div>-->\r\n    <\/div>\r\n    <!-- RIGHT -->\r\n    <div class=\"nd-reveal-r\" data-d=\"0.15\">\r\n      <div class=\"clh-card\">\r\n        <div class=\"clh-card-title\">Live Claim Journey<\/div>\r\n        <div class=\"clh-steps\">\r\n          <div class=\"clh-step done\"><div class=\"clh-sn\">\u2713<\/div><div class=\"clh-st\">Intimation received<\/div><\/div>\r\n          <div class=\"clh-step done\"><div class=\"clh-sn\">\u2713<\/div><div class=\"clh-st\">Documents shared with hospital<\/div><\/div>\r\n          <div class=\"clh-step active\"><div class=\"clh-sn\">3<\/div><div class=\"clh-st\">Pre-authorisation in progress<\/div><\/div>\r\n          <div class=\"clh-step wait\"><div class=\"clh-sn\">4<\/div><div class=\"clh-st\">Treatment & monitoring<\/div><\/div>\r\n          <div class=\"clh-step wait\"><div class=\"clh-sn\">5<\/div><div class=\"clh-st\">Discharge approval & settlement<\/div><\/div>\r\n        <\/div>\r\n        <div class=\"clh-card-status\">\ud83d\udfe2 Navdrishti is handling it \u2014 sit back.<\/div>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n \r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7711f00 e-con-full e-flex e-con e-parent\" data-id=\"7711f00\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e23f062 elementor-widget elementor-widget-html\" data-id=\"e23f062\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- ============================================================\r\n  NAVDRISHTI \u2014 CLAIMS PAGE  |  S3: 5-STEP CLAIM PROCESS\r\n  Dark #333145 \u00b7 Horizontal step nodes always visible\r\n  Single shared detail panel below \u2014 no overflow collision\r\n  JS click\/hover switches which step is active\r\n  Full Width \u00b7 0 Padding \u00b7 0 Margin \u00b7 All CSS !important\r\n============================================================ -->\r\n<style>\r\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Plus+Jakarta+Sans:wght@300;400;500;600;700;800&display=swap');\r\n\r\n\/* \u2500\u2500 KEYFRAMES \u2500\u2500 *\/\r\n@keyframes csp-shimmer{0%{background-position:0% center}100%{background-position:200% center}}\r\n@keyframes csp-dot{0%,100%{box-shadow:0 0 0 0 rgba(201,168,76,.6)}50%{box-shadow:0 0 0 10px rgba(201,168,76,0)}}\r\n@keyframes csp-fadein{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:translateY(0)}}\r\n@keyframes csp-linegrow{from{transform:scaleX(0);transform-origin:left}to{transform:scaleX(1);transform-origin:left}}\r\n\r\n\/* \u2500\u2500 RESET \u2500\u2500 *\/\r\n#csp *{box-sizing:border-box!important;}\r\n#csp,#csp h2,#csp h3,#csp p,#csp span,\r\n#csp div,#csp button,#csp a{\r\n  font-family:'Plus Jakarta Sans',sans-serif!important;line-height:normal!important;\r\n}\r\n\r\n\/* \u2500\u2500 SECTION \u2500\u2500 *\/\r\n#csp{\r\n  background:#333145!important;\r\n  padding:96px 48px 80px!important;\r\n  position:relative!important;overflow:hidden!important;\r\n}\r\n#csp::before{\r\n  content:''!important;position:absolute!important;inset:0!important;\r\n  background-image:radial-gradient(circle,rgba(201,168,76,.04) 1px,transparent 1px)!important;\r\n  background-size:38px 38px!important;pointer-events:none!important;\r\n}\r\n#csp .csp-orb1{position:absolute!important;top:-150px!important;right:-150px!important;width:600px!important;height:600px!important;border-radius:50%!important;background:radial-gradient(circle,rgba(201,168,76,.1) 0%,transparent 62%)!important;pointer-events:none!important;}\r\n#csp .csp-orb2{position:absolute!important;bottom:-100px!important;left:-100px!important;width:400px!important;height:400px!important;border-radius:50%!important;background:radial-gradient(circle,rgba(201,168,76,.07) 0%,transparent 65%)!important;pointer-events:none!important;}\r\n\r\n#csp .csp-wrap{\r\n  max-width:1280px!important;margin:0 auto!important;\r\n  position:relative!important;z-index:1!important;\r\n}\r\n\r\n\/* \u2500\u2500 HEADER \u2500\u2500 *\/\r\n#csp .csp-tag{\r\n  display:block!important;text-align:center!important;\r\n  font-size:11px!important;font-weight:700!important;letter-spacing:3px!important;\r\n  text-transform:uppercase!important;color:#C9A84C!important;margin-bottom:12px!important;\r\n}\r\n#csp .csp-h2{\r\n  font-size:clamp(28px,3.5vw,52px)!important;font-weight:800!important;\r\n  color:#fff!important;line-height:1.1!important;letter-spacing:-.5px!important;\r\n  margin-bottom:12px!important;text-align:center!important;\r\n}\r\n#csp .csp-h2 .csp-gold{\r\n  background:linear-gradient(90deg,#C9A84C,#e8c96b,#C9A84C)!important;\r\n  background-size:200% auto!important;\r\n  -webkit-background-clip:text!important;-webkit-text-fill-color:transparent!important;\r\n  background-clip:text!important;animation:csp-shimmer 3.5s linear infinite!important;\r\n}\r\n#csp .csp-sub{\r\n  font-size:16px!important;color:rgba(255,255,255,.45)!important;line-height:1.8!important;\r\n  text-align:center!important;max-width:560px!important;margin:0 auto 60px!important;\r\n}\r\n\r\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\r\n   STEP NODES ROW\r\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\r\n#csp .csp-row{\r\n  position:relative!important;\r\n  display:flex!important;\r\n  align-items:flex-start!important;\r\n  justify-content:space-between!important;\r\n  gap:0!important;\r\n  margin-bottom:0!important;\r\n}\r\n\r\n\/* The connecting line \u2014 sits behind everything, centred on the dots *\/\r\n#csp .csp-line{\r\n  position:absolute!important;\r\n  \/* Vertically centred on the 60px dots (top padding + dot-radius = 0 + 30px) *\/\r\n  top:30px!important;\r\n  left:calc(10% + 30px)!important;\r\n  right:calc(10% + 30px)!important;\r\n  height:2px!important;\r\n  background:rgba(201,168,76,.18)!important;\r\n  z-index:0!important;\r\n  pointer-events:none!important;\r\n}\r\n\/* Active fill of the line \u2014 JS sets width via inline style *\/\r\n#csp .csp-line-fill{\r\n  position:absolute!important;\r\n  top:0!important;left:0!important;height:100%!important;\r\n  background:linear-gradient(90deg,#C9A84C,#e8c96b)!important;\r\n  transition:width .5s ease!important;\r\n  pointer-events:none!important;\r\n}\r\n\r\n\/* Single step node *\/\r\n#csp .csp-node{\r\n  flex:1!important;\r\n  display:flex!important;\r\n  flex-direction:column!important;\r\n  align-items:center!important;\r\n  gap:14px!important;\r\n  position:relative!important;z-index:1!important;\r\n  cursor:pointer!important;\r\n  padding:0 8px!important;\r\n}\r\n\r\n\/* Circle *\/\r\n#csp .csp-circle{\r\n  width:60px!important;height:60px!important;border-radius:50%!important;\r\n  background:rgba(255,255,255,.07)!important;\r\n  border:2px solid rgba(201,168,76,.22)!important;\r\n  display:flex!important;align-items:center!important;justify-content:center!important;\r\n  font-size:22px!important;\r\n  transition:all .35s cubic-bezier(.4,0,.2,1)!important;\r\n  position:relative!important;z-index:2!important;\r\n  flex-shrink:0!important;\r\n}\r\n\r\n\/* Step number above circle *\/\r\n#csp .csp-node-num{\r\n  font-size:10px!important;font-weight:800!important;\r\n  color:rgba(255,255,255,.22)!important;letter-spacing:1.5px!important;\r\n  text-transform:uppercase!important;\r\n  position:absolute!important;top:-20px!important;left:50%!important;\r\n  transform:translateX(-50%)!important;white-space:nowrap!important;\r\n  transition:color .3s!important;\r\n}\r\n\r\n\/* Label below circle *\/\r\n#csp .csp-node-label{\r\n  font-size:13px!important;font-weight:700!important;\r\n  color:rgba(255,255,255,.5)!important;text-align:center!important;\r\n  line-height:1.45!important;transition:color .3s!important;\r\n  max-width:110px!important;\r\n}\r\n\r\n\/* \u2500\u2500 ACTIVE STATE \u2500\u2500 *\/\r\n#csp .csp-node.csp-active .csp-circle{\r\n  background:linear-gradient(135deg,#C9A84C,#e8c96b)!important;\r\n  border-color:#C9A84C!important;\r\n  transform:scale(1.14)!important;\r\n  box-shadow:0 0 0 8px rgba(201,168,76,.18),0 8px 24px rgba(201,168,76,.3)!important;\r\n}\r\n#csp .csp-node.csp-active .csp-node-label{color:#C9A84C!important;font-weight:800!important;}\r\n#csp .csp-node.csp-active .csp-node-num{color:rgba(201,168,76,.7)!important;}\r\n\r\n\/* \u2500\u2500 DONE STATE \u2500\u2500 *\/\r\n#csp .csp-node.csp-done .csp-circle{\r\n  background:rgba(201,168,76,.15)!important;\r\n  border-color:rgba(201,168,76,.4)!important;\r\n}\r\n#csp .csp-node.csp-done .csp-node-label{color:rgba(255,255,255,.55)!important;}\r\n\r\n\/* Hover (non-active) *\/\r\n#csp .csp-node:not(.csp-active):hover .csp-circle{\r\n  background:rgba(201,168,76,.12)!important;\r\n  border-color:rgba(201,168,76,.4)!important;\r\n  transform:scale(1.07)!important;\r\n}\r\n#csp .csp-node:not(.csp-active):hover .csp-node-label{color:rgba(255,255,255,.8)!important;}\r\n\r\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\r\n   SHARED DETAIL PANEL\r\n   Sits below the full row \u2014 no absolute positioning, no collisions\r\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\r\n#csp .csp-detail-wrap{\r\n  margin-top:44px!important;\r\n  position:relative!important;\r\n  \/* Arrow pointer centering is handled by JS via CSS var --arrow-left *\/\r\n}\r\n\/* Arrow pointing up to the active node *\/\r\n#csp .csp-detail-wrap::before{\r\n  content:''!important;\r\n  position:absolute!important;\r\n  top:-10px!important;\r\n  left:var(--csp-arrow, 10%)!important;\r\n  transform:translateX(-50%)!important;\r\n  width:20px!important;height:20px!important;\r\n  background:rgba(255,255,255,.07)!important;\r\n  border-left:1px solid rgba(201,168,76,.22)!important;\r\n  border-top:1px solid rgba(201,168,76,.22)!important;\r\n  transform:translateX(-50%) rotate(45deg)!important;\r\n  pointer-events:none!important;z-index:0!important;\r\n}\r\n\r\n#csp .csp-panel{\r\n  background:rgba(255,255,255,.07)!important;\r\n  border:1px solid rgba(201,168,76,.22)!important;\r\n  border-radius:20px!important;\r\n  padding:36px 40px!important;\r\n  position:relative!important;z-index:1!important;\r\n  animation:csp-fadein .35s ease!important;\r\n}\r\n\r\n\/* Each content pane \u2014 hidden by default *\/\r\n#csp .csp-pane{display:none!important;}\r\n#csp .csp-pane.csp-pane-active{display:block!important;}\r\n\r\n\/* Panel layout: left detail + right tips *\/\r\n#csp .csp-panel-inner{\r\n  display:grid!important;\r\n  grid-template-columns:1fr 1fr!important;\r\n  gap:40px!important;\r\n  align-items:start!important;\r\n}\r\n\r\n\/* Left *\/\r\n#csp .csp-panel-step-badge{\r\n  display:inline-flex!important;align-items:center!important;gap:8px!important;\r\n  background:rgba(201,168,76,.12)!important;border:1px solid rgba(201,168,76,.2)!important;\r\n  border-radius:100px!important;padding:5px 14px!important;\r\n  font-size:10px!important;font-weight:800!important;color:#C9A84C!important;\r\n  letter-spacing:1px!important;text-transform:uppercase!important;\r\n  margin-bottom:14px!important;\r\n}\r\n#csp .csp-panel-title{\r\n  font-size:22px!important;font-weight:800!important;color:#fff!important;\r\n  margin-bottom:12px!important;letter-spacing:-.3px!important;\r\n}\r\n#csp .csp-panel-text{\r\n  font-size:14px!important;color:rgba(255,255,255,.62)!important;line-height:1.85!important;\r\n  margin-bottom:18px!important;\r\n}\r\n#csp .csp-panel-time{\r\n  display:inline-flex!important;align-items:center!important;gap:7px!important;\r\n  padding:6px 14px!important;border-radius:100px!important;\r\n  background:rgba(201,168,76,.12)!important;\r\n  font-size:12px!important;font-weight:700!important;color:#C9A84C!important;\r\n}\r\n\r\n\/* Right *\/\r\n#csp .csp-panel-tips-title{\r\n  font-size:11px!important;font-weight:700!important;color:rgba(255,255,255,.3)!important;\r\n  text-transform:uppercase!important;letter-spacing:2px!important;margin-bottom:16px!important;\r\n}\r\n#csp .csp-panel-tips{display:flex!important;flex-direction:column!important;gap:10px!important;}\r\n#csp .csp-panel-tip{\r\n  display:flex!important;align-items:flex-start!important;gap:10px!important;\r\n  padding:12px 14px!important;\r\n  background:rgba(255,255,255,.05)!important;\r\n  border:1px solid rgba(255,255,255,.07)!important;\r\n  border-radius:10px!important;\r\n  font-size:13px!important;color:rgba(255,255,255,.65)!important;line-height:1.55!important;\r\n  transition:border-color .25s,background .25s!important;\r\n}\r\n#csp .csp-panel-tip:hover{\r\n  border-color:rgba(201,168,76,.22)!important;\r\n  background:rgba(201,168,76,.06)!important;\r\n}\r\n#csp .csp-panel-tip-ic{font-size:16px!important;flex-shrink:0!important;margin-top:1px!important;}\r\n\r\n\/* Nav dots at bottom of panel *\/\r\n#csp .csp-panel-nav{\r\n  display:flex!important;align-items:center!important;\r\n  justify-content:space-between!important;\r\n  margin-top:28px!important;padding-top:22px!important;\r\n  border-top:1px solid rgba(255,255,255,.08)!important;\r\n}\r\n#csp .csp-panel-nav-dots{display:flex!important;gap:8px!important;}\r\n#csp .csp-nav-dot{\r\n  width:8px!important;height:8px!important;border-radius:50%!important;\r\n  background:rgba(255,255,255,.15)!important;cursor:pointer!important;\r\n  transition:all .3s ease!important;border:none!important;padding:0!important;\r\n}\r\n#csp .csp-nav-dot.active{background:#C9A84C!important;transform:scale(1.3)!important;}\r\n#csp .csp-panel-nav-btns{display:flex!important;gap:8px!important;}\r\n#csp .csp-nav-btn{\r\n  display:inline-flex!important;align-items:center!important;gap:6px!important;\r\n  padding:8px 18px!important;border-radius:8px!important;\r\n  font-size:13px!important;font-weight:700!important;cursor:pointer!important;\r\n  border:1px solid rgba(255,255,255,.12)!important;background:rgba(255,255,255,.07)!important;\r\n  color:rgba(255,255,255,.65)!important;transition:all .25s ease!important;\r\n}\r\n#csp .csp-nav-btn:hover{background:rgba(201,168,76,.15)!important;border-color:rgba(201,168,76,.3)!important;color:#C9A84C!important;}\r\n#csp .csp-nav-btn:disabled{opacity:.3!important;cursor:not-allowed!important;}\r\n#csp .csp-nav-btn.next{background:rgba(201,168,76,.15)!important;border-color:rgba(201,168,76,.3)!important;color:#C9A84C!important;}\r\n#csp .csp-nav-btn.next:hover{background:#C9A84C!important;color:#333145!important;}\r\n\r\n\/* \u2500\u2500 IDPCS PILLS \u2500\u2500 *\/\r\n#csp .csp-idpcs{\r\n  display:flex!important;align-items:center!important;justify-content:center!important;\r\n  gap:8px!important;margin-top:48px!important;flex-wrap:wrap!important;\r\n}\r\n#csp .csp-idpcs-label{\r\n  font-size:10px!important;font-weight:700!important;color:rgba(255,255,255,.28)!important;\r\n  letter-spacing:2px!important;text-transform:uppercase!important;margin-right:4px!important;\r\n}\r\n#csp .csp-pill{\r\n  display:inline-flex!important;align-items:center!important;gap:5px!important;\r\n  padding:7px 16px!important;border-radius:100px!important;\r\n  font-size:12px!important;font-weight:700!important;letter-spacing:.5px!important;\r\n  border:1px solid rgba(201,168,76,.2)!important;background:rgba(201,168,76,.08)!important;color:#C9A84C!important;\r\n  transition:all .25s ease!important;cursor:default!important;\r\n}\r\n#csp .csp-pill:hover{background:rgba(201,168,76,.18)!important;border-color:rgba(201,168,76,.4)!important;}\r\n\r\n\/* \u2500\u2500 RESPONSIVE \u2500\u2500 *\/\r\n\r\n\/* Tablet: shrink font, keep horizontal *\/\r\n@media(max-width:1024px){\r\n  #csp{padding:72px 24px 64px!important;}\r\n  #csp .csp-node-label{font-size:12px!important;max-width:90px!important;}\r\n  #csp .csp-circle{width:52px!important;height:52px!important;font-size:19px!important;}\r\n  #csp .csp-line{top:26px!important;}\r\n  #csp .csp-panel{padding:28px 24px!important;}\r\n  #csp .csp-panel-inner{grid-template-columns:1fr!important;gap:24px!important;}\r\n}\r\n\r\n\/* Mobile: switch to vertical stacked cards *\/\r\n@media(max-width:640px){\r\n  #csp .csp-node-label{font-size:11px!important;max-width:70px!important;}\r\n  #csp .csp-circle{width:46px!important;height:46px!important;font-size:17px!important;}\r\n  #csp .csp-line{top:23px!important;}\r\n  #csp .csp-node-num{font-size:9px!important;top:-18px!important;}\r\n  #csp .csp-panel-nav-btns{flex-direction:column!important;width:100%!important;}\r\n  #csp .csp-nav-btn{justify-content:center!important;}\r\n}\r\n<\/style>\r\n\r\n<!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\r\n     CLAIM PROCESS SECTION\r\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\r\n<section id=\"csp\">\r\n  <div class=\"csp-orb1\"><\/div>\r\n  <div class=\"csp-orb2\"><\/div>\r\n  <div class=\"csp-wrap\">\r\n\r\n    <!-- HEADER -->\r\n    <div class=\"nd-reveal\">\r\n      <span class=\"csp-tag\">Our Claim Process<\/span>\r\n      <h2 class=\"csp-h2\">5 Steps to <span class=\"csp-gold\">Stress-Free Settlement<\/span><\/h2>\r\n      <p class=\"csp-sub\">Click any step to see exactly what happens. We handle steps 2, 3, 4 and 5 \u2014 you only need to do step 1.<\/p>\r\n    <\/div>\r\n\r\n    <!-- NODES ROW -->\r\n    <div class=\"csp-row nd-reveal\" data-d=\"0.1\" id=\"cspRow\">\r\n\r\n      <!-- Connecting line -->\r\n      <div class=\"csp-line\">\r\n        <div class=\"csp-line-fill\" id=\"cspLineFill\"><\/div>\r\n      <\/div>\r\n\r\n      <div class=\"csp-node csp-active\" data-step=\"0\" onclick=\"cspGo(0)\">\r\n        <span class=\"csp-node-num\">Step 01<\/span>\r\n        <div class=\"csp-circle\">\ud83d\udcde<\/div>\r\n        <div class=\"csp-node-label\">Intimate<br>Hospitalisation<\/div>\r\n      <\/div>\r\n\r\n      <div class=\"csp-node\" data-step=\"1\" onclick=\"cspGo(1)\">\r\n        <span class=\"csp-node-num\">Step 02<\/span>\r\n        <div class=\"csp-circle\">\ud83d\udccb<\/div>\r\n        <div class=\"csp-node-label\">Document<br>Sharing<\/div>\r\n      <\/div>\r\n\r\n      <div class=\"csp-node\" data-step=\"2\" onclick=\"cspGo(2)\">\r\n        <span class=\"csp-node-num\">Step 03<\/span>\r\n        <div class=\"csp-circle\">\ud83c\udfe5<\/div>\r\n        <div class=\"csp-node-label\">Get Treated<br>We Monitor<\/div>\r\n      <\/div>\r\n\r\n      <div class=\"csp-node\" data-step=\"3\" onclick=\"cspGo(3)\">\r\n        <span class=\"csp-node-num\">Step 04<\/span>\r\n        <div class=\"csp-circle\">\u2705<\/div>\r\n        <div class=\"csp-node-label\">Approval &amp;<br>Discharge<\/div>\r\n      <\/div>\r\n\r\n      <div class=\"csp-node\" data-step=\"4\" onclick=\"cspGo(4)\">\r\n        <span class=\"csp-node-num\">Step 05<\/span>\r\n        <div class=\"csp-circle\">\ud83c\udfe6<\/div>\r\n        <div class=\"csp-node-label\">Settlement<br>&amp; Summary<\/div>\r\n      <\/div>\r\n\r\n    <\/div><!-- \/csp-row -->\r\n\r\n    <!-- SHARED DETAIL PANEL -->\r\n    <div class=\"csp-detail-wrap\" id=\"cspDetailWrap\" style=\"--csp-arrow:10%\">\r\n      <div class=\"csp-panel\">\r\n\r\n        <!-- PANE 0 \u2014 Step 1 -->\r\n        <div class=\"csp-pane csp-pane-active\" id=\"cspPane0\">\r\n          <div class=\"csp-panel-inner\">\r\n            <div>\r\n              <div class=\"csp-panel-step-badge\">Step 01 of 05<\/div>\r\n              <div class=\"csp-panel-title\">Intimate Hospitalisation<\/div>\r\n              <p class=\"csp-panel-text\">As soon as hospitalisation happens \u2014 planned or emergency \u2014 just call or WhatsApp 97117 78778. Give us your policy number, patient name, hospital name, and nature of treatment. We instantly guide you on required documents, confirm if the hospital is in the network, and share the list of needed papers.<\/p>\r\n              <div class=\"csp-panel-time\">\u23f1 Your only action needed in the entire process<\/div>\r\n            <\/div>\r\n            <div>\r\n              <div class=\"csp-panel-tips-title\">What to keep ready<\/div>\r\n              <div class=\"csp-panel-tips\">\r\n                <div class=\"csp-panel-tip\"><span class=\"csp-panel-tip-ic\">\ud83d\udcf1<\/span>Call \/ WhatsApp: 97117 78778 immediately<\/div>\r\n                <div class=\"csp-panel-tip\"><span class=\"csp-panel-tip-ic\">\ud83d\udcc5<\/span>Planned admission \u2192 Inform 48\u201372 hrs in advance<\/div>\r\n                <div class=\"csp-panel-tip\"><span class=\"csp-panel-tip-ic\">\ud83d\udea8<\/span>Emergency \u2192 Inform within 24 hrs of admission<\/div>\r\n                <div class=\"csp-panel-tip\"><span class=\"csp-panel-tip-ic\">\ud83e\udeaa<\/span>Keep policy number, health card &amp; Aadhaar\/PAN ready<\/div>\r\n              <\/div>\r\n            <\/div>\r\n          <\/div>\r\n          <div class=\"csp-panel-nav\">\r\n            <div class=\"csp-panel-nav-dots\" id=\"cspDots0\"><\/div>\r\n            <div class=\"csp-panel-nav-btns\">\r\n              <button class=\"csp-nav-btn\" onclick=\"cspGo(0-1)\" disabled>\u2190 Previous<\/button>\r\n              <button class=\"csp-nav-btn next\" onclick=\"cspGo(1)\">Next Step \u2192<\/button>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <!-- PANE 1 \u2014 Step 2 -->\r\n        <div class=\"csp-pane\" id=\"cspPane1\">\r\n          <div class=\"csp-panel-inner\">\r\n            <div>\r\n              <div class=\"csp-panel-step-badge\">Step 02 of 05<\/div>\r\n              <div class=\"csp-panel-title\">Document Sharing<\/div>\r\n              <p class=\"csp-panel-text\">Once pre-authorisation is raised, Navdrishti directly coordinates and shares your required documents (policy copy, coverage details, approval references) with the hospital's TPA\/insurance desk. We ensure the hospital receives confirmation of eligible coverage quickly so treatment can start without financial stress.<\/p>\r\n              <div class=\"csp-panel-time\">\u2705 100% handled by Navdrishti \u2014 zero action needed from you<\/div>\r\n            <\/div>\r\n            <div>\r\n              <div class=\"csp-panel-tips-title\">What we do<\/div>\r\n              <div class=\"csp-panel-tips\">\r\n                <div class=\"csp-panel-tip\"><span class=\"csp-panel-tip-ic\">\ud83d\udcc4<\/span>Submit policy copy, coverage details, approval references<\/div>\r\n                <div class=\"csp-panel-tip\"><span class=\"csp-panel-tip-ic\">\ud83c\udfe5<\/span>Confirm eligible coverage with hospital's TPA desk<\/div>\r\n                <div class=\"csp-panel-tip\"><span class=\"csp-panel-tip-ic\">\ud83d\udd14<\/span>Notify you instantly if any rare additional docs are needed<\/div>\r\n                <div class=\"csp-panel-tip\"><span class=\"csp-panel-tip-ic\">\u26a1<\/span>Minimise delays so treatment starts without financial stress<\/div>\r\n              <\/div>\r\n            <\/div>\r\n          <\/div>\r\n          <div class=\"csp-panel-nav\">\r\n            <div class=\"csp-panel-nav-dots\" id=\"cspDots1\"><\/div>\r\n            <div class=\"csp-panel-nav-btns\">\r\n              <button class=\"csp-nav-btn\" onclick=\"cspGo(0)\">\u2190 Previous<\/button>\r\n              <button class=\"csp-nav-btn next\" onclick=\"cspGo(2)\">Next Step \u2192<\/button>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <!-- PANE 2 \u2014 Step 3 -->\r\n        <div class=\"csp-pane\" id=\"cspPane2\">\r\n          <div class=\"csp-panel-inner\">\r\n            <div>\r\n              <div class=\"csp-panel-step-badge\">Step 03 of 05<\/div>\r\n              <div class=\"csp-panel-title\">Get Treated \u2014 We Monitor<\/div>\r\n              <p class=\"csp-panel-text\">Proceed with treatment and enjoy the cashless facility for all covered expenses. The hospital bills the insurer\/TPA directly for admissible amounts. We monitor the claim progress in real-time and update you via call\/SMS\/WhatsApp on any queries raised by the insurer \u2014 so you're always informed, never anxious.<\/p>\r\n              <div class=\"csp-panel-time\">\u2705 100% handled by Navdrishti \u2014 focus on recovery<\/div>\r\n            <\/div>\r\n            <div>\r\n              <div class=\"csp-panel-tips-title\">How we track for you<\/div>\r\n              <div class=\"csp-panel-tips\">\r\n                <div class=\"csp-panel-tip\"><span class=\"csp-panel-tip-ic\">\ud83d\udcca<\/span>Live monitoring of claim progress with the insurer<\/div>\r\n                <div class=\"csp-panel-tip\"><span class=\"csp-panel-tip-ic\">\ud83d\udcac<\/span>WhatsApp\/SMS updates on any insurer queries<\/div>\r\n                <div class=\"csp-panel-tip\"><span class=\"csp-panel-tip-ic\">\u26a0\ufe0f<\/span>Immediate escalation if any unexpected delays arise<\/div>\r\n                <div class=\"csp-panel-tip\"><span class=\"csp-panel-tip-ic\">\ud83c\udfe5<\/span>Hospital bills insurer directly \u2014 you pay nothing for covered items<\/div>\r\n              <\/div>\r\n            <\/div>\r\n          <\/div>\r\n          <div class=\"csp-panel-nav\">\r\n            <div class=\"csp-panel-nav-dots\" id=\"cspDots2\"><\/div>\r\n            <div class=\"csp-panel-nav-btns\">\r\n              <button class=\"csp-nav-btn\" onclick=\"cspGo(1)\">\u2190 Previous<\/button>\r\n              <button class=\"csp-nav-btn next\" onclick=\"cspGo(3)\">Next Step \u2192<\/button>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <!-- PANE 3 \u2014 Step 4 -->\r\n        <div class=\"csp-pane\" id=\"cspPane3\">\r\n          <div class=\"csp-panel-inner\">\r\n            <div>\r\n              <div class=\"csp-panel-step-badge\">Step 04 of 05<\/div>\r\n              <div class=\"csp-panel-title\">Claim Approval &amp; Discharge<\/div>\r\n              <p class=\"csp-panel-text\">At discharge, the hospital submits the final bill and discharge summary. The insurer gives final approval \u2014 usually within 3 hours (IRDAI rule). We intimate you immediately about approval status, explain any minor deductions (non-covered items like consumables), and guide you through clearance. Pay only genuinely uncovered charges (if any) and leave worry-free.<\/p>\r\n              <div class=\"csp-panel-time\">\u23f1 Final approval within 3 hours \u2014 IRDAI mandated<\/div>\r\n            <\/div>\r\n            <div>\r\n              <div class=\"csp-panel-tips-title\">At discharge<\/div>\r\n              <div class=\"csp-panel-tips\">\r\n                <div class=\"csp-panel-tip\"><span class=\"csp-panel-tip-ic\">\ud83d\udcdd<\/span>Hospital submits final bill + discharge summary to insurer<\/div>\r\n                <div class=\"csp-panel-tip\"><span class=\"csp-panel-tip-ic\">\u2705<\/span>Final approval within 3 hours (IRDAI mandated)<\/div>\r\n                <div class=\"csp-panel-tip\"><span class=\"csp-panel-tip-ic\">\ud83d\udcb0<\/span>We clarify any deductions upfront \u2014 no surprises<\/div>\r\n                <div class=\"csp-panel-tip\"><span class=\"csp-panel-tip-ic\">\ud83d\udeaa<\/span>Collect discharge papers and leave \u2014 post-discharge support included<\/div>\r\n              <\/div>\r\n            <\/div>\r\n          <\/div>\r\n          <div class=\"csp-panel-nav\">\r\n            <div class=\"csp-panel-nav-dots\" id=\"cspDots3\"><\/div>\r\n            <div class=\"csp-panel-nav-btns\">\r\n              <button class=\"csp-nav-btn\" onclick=\"cspGo(2)\">\u2190 Previous<\/button>\r\n              <button class=\"csp-nav-btn next\" onclick=\"cspGo(4)\">Next Step \u2192<\/button>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <!-- PANE 4 \u2014 Step 5 -->\r\n        <div class=\"csp-pane\" id=\"cspPane4\">\r\n          <div class=\"csp-panel-inner\">\r\n            <div>\r\n              <div class=\"csp-panel-step-badge\">Step 05 of 05<\/div>\r\n              <div class=\"csp-panel-title\">Settlement &amp; Summary<\/div>\r\n              <p class=\"csp-panel-text\">Post-discharge, we send you a complete claim summary. If your hospital is non-network and reimbursement is involved, we track the insurer until the approved amount is credited directly to your bank account. Need any follow-up? We're here \u2014 this isn't a one-time transaction, it's a long-term relationship.<\/p>\r\n              <div class=\"csp-panel-time\">\u23f1 Reimbursement credited within ~30 days<\/div>\r\n            <\/div>\r\n            <div>\r\n              <div class=\"csp-panel-tips-title\">After discharge<\/div>\r\n              <div class=\"csp-panel-tips\">\r\n                <div class=\"csp-panel-tip\"><span class=\"csp-panel-tip-ic\">\ud83d\udcca<\/span>Full claim settlement summary sent to you<\/div>\r\n                <div class=\"csp-panel-tip\"><span class=\"csp-panel-tip-ic\">\ud83c\udfe6<\/span>Reimbursement tracking \u2014 we push until bank credit confirmed<\/div>\r\n                <div class=\"csp-panel-tip\"><span class=\"csp-panel-tip-ic\">\ud83d\udd04<\/span>Rejection appeal support if any amount is disputed<\/div>\r\n                <div class=\"csp-panel-tip\"><span class=\"csp-panel-tip-ic\">\ud83d\udcde<\/span>Post-claim WhatsApp support for any follow-up needed<\/div>\r\n              <\/div>\r\n            <\/div>\r\n          <\/div>\r\n          <div class=\"csp-panel-nav\">\r\n            <div class=\"csp-panel-nav-dots\" id=\"cspDots4\"><\/div>\r\n            <div class=\"csp-panel-nav-btns\">\r\n              <button class=\"csp-nav-btn\" onclick=\"cspGo(3)\">\u2190 Previous<\/button>\r\n              <button class=\"csp-nav-btn\" onclick=\"cspGo(4)\" disabled>Next Step \u2192<\/button>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n      <\/div><!-- \/csp-panel -->\r\n    <\/div><!-- \/csp-detail-wrap -->\r\n\r\n    <!-- IDPCS PILLS -->\r\n    <div class=\"csp-idpcs nd-reveal\" data-d=\"0.2\">\r\n      <span class=\"csp-idpcs-label\">Our Framework:<\/span>\r\n      <div class=\"csp-pill\">I \u2014 Intimate<\/div>\r\n      <div class=\"csp-pill\">D \u2014 Document<\/div>\r\n      <div class=\"csp-pill\">P \u2014 Process<\/div>\r\n      <div class=\"csp-pill\">C \u2014 Coordinate<\/div>\r\n      <div class=\"csp-pill\">S \u2014 Settle<\/div>\r\n    <\/div>\r\n\r\n  <\/div><!-- \/csp-wrap -->\r\n<\/section>\r\n\r\n<script>\r\n(function(){\r\n  var TOTAL = 5;\r\n  var current = 0;\r\n\r\n  \/* Build nav dots inside each pane *\/\r\n  for(var i=0;i<TOTAL;i++){\r\n    var container = document.getElementById('cspDots'+i);\r\n    if(!container)continue;\r\n    for(var d=0;d<TOTAL;d++){\r\n      var dot = document.createElement('button');\r\n      dot.className='csp-nav-dot'+(d===i?' active':'');\r\n      dot.setAttribute('data-target',d);\r\n      dot.setAttribute('aria-label','Go to step '+(d+1));\r\n      (function(target){dot.onclick=function(){cspGo(target);};})(d);\r\n      container.appendChild(dot);\r\n    }\r\n  }\r\n\r\n  window.cspGo = function(idx){\r\n    if(idx<0||idx>=TOTAL)return;\r\n    current=idx;\r\n\r\n    \/* Update nodes *\/\r\n    var nodes=document.querySelectorAll('#csp .csp-node');\r\n    nodes.forEach(function(n,i){\r\n      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.csp-nav-dot').forEach(function(dot){\r\n      dot.classList.toggle('active', parseInt(dot.getAttribute('data-target'))===idx);\r\n    });\r\n  };\r\n\r\n  \/* Init *\/\r\n  cspGo(0);\r\n})();\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c46ec1 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-html\" data-id=\"8c46ec1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t\r\n<style>\r\n*{box-sizing:border-box;margin:0;padding:0}\r\n.cl-process{\r\n  padding:50px 40px;\r\n  background:#f4f7fc;\r\n  font-family:'DM Sans','Segoe UI',sans-serif;\r\n  position:relative;overflow:hidden;\r\n}\r\n.cl-process::before{\r\n  content:'';position:absolute;\r\n  top:-120px;right:-120px;\r\n  width:500px;height:500px;border-radius:50%;\r\n  background:radial-gradient(circle,rgba(201,168,76,.06) 0%,transparent 70%);\r\n  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margin-bottom:72px;\r\n}\r\n.cl-proc-promise{\r\n  background:linear-gradient(135deg,#333145,#0d2550);\r\n  border-radius:16px;padding:22px 28px;\r\n  border:1px solid rgba(201,168,76,.15);\r\n  display:flex;align-items:center;gap:14px;\r\n  white-space:nowrap;\r\n}\r\n.cl-pp-icon{font-size:28px}\r\n.cl-pp-text{font-size:13px;font-weight:600;color:#fff;line-height:1.5}\r\n.cl-pp-text span{color:#C9A84C;font-size:11px;font-weight:700;display:block;letter-spacing:.5px}\r\n\r\n\/* \u2500\u2500 STEPS \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\r\n.cl-steps-wrap{\r\n  display:flex;flex-direction:column;gap:0;\r\n  position:relative;\r\n}\r\n\r\n\/* vertical connector line *\/\r\n.cl-steps-wrap::before{\r\n  content:'';\r\n  position:absolute;\r\n  left:35px;top:36px;bottom:36px;\r\n  width:2px;\r\n  background:linear-gradient(to bottom,\r\n    #C9A84C 0%,\r\n    #C9A84C 20%,\r\n    rgba(201,168,76,.3) 100%\r\n  );\r\n  z-index:0;\r\n}\r\n\r\n.cl-step{\r\n  display:grid;\r\n  grid-template-columns:72px 1fr;\r\n  gap:28px;\r\n  align-items:flex-start;\r\n  position:relative;\r\n  z-index:1;\r\n  padding-bottom:32px;\r\n}\r\n.cl-step:last-child{padding-bottom:0}\r\n\r\n\/* number column *\/\r\n.cl-step-num-col{\r\n  display:flex;flex-direction:column;align-items:center;\r\n  gap:6px;\r\n}\r\n.cl-step-circle{\r\n  width:72px;height:72px;border-radius:50%;\r\n  background:#fff;\r\n  border:3px solid #C9A84C;\r\n  display:flex;align-items:center;justify-content:center;\r\n  font-size:28px;\r\n  box-shadow:0 8px 28px rgba(10,31,68,.12);\r\n  transition:all .35s ease;\r\n  position:relative;flex-shrink:0;\r\n}\r\n.cl-step:hover .cl-step-circle{\r\n  background:#333145;\r\n  transform:scale(1.1);\r\n  box-shadow:0 16px 40px rgba(10,31,68,.22);\r\n}\r\n.cl-step-circle-badge{\r\n  position:absolute;top:-8px;right:-8px;\r\n  width:26px;height:26px;border-radius:50%;\r\n  background:#C9A84C;color:#333145;\r\n  font-size:10px;font-weight:800;\r\n  display:flex;align-items:center;justify-content:center;\r\n  box-shadow:0 2px 8px rgba(201,168,76,.4);\r\n  font-family:'DM Sans',sans-serif;\r\n}\r\n\r\n\/* content card *\/\r\n.cl-step-card{\r\n  background:#fff;\r\n  border-radius:18px;\r\n  padding:28px 32px;\r\n  border:1px solid #E5E7EB;\r\n  transition:all .35s ease;\r\n  cursor:default;\r\n}\r\n.cl-step:hover .cl-step-card{\r\n  border-color:rgba(201,168,76,.3);\r\n  box-shadow:0 16px 48px rgba(10,31,68,.1);\r\n  transform:translateX(8px);\r\n}\r\n\/* active state for last step *\/\r\n.cl-step.done .cl-step-card{\r\n  background:linear-gradient(135deg,rgba(34,197,94,.04),rgba(34,197,94,.01));\r\n  border-color:rgba(34,197,94,.25);\r\n}\r\n.cl-step.done .cl-step-circle{border-color:#22c55e}\r\n.cl-step.done .cl-step-circle-badge{background:#22c55e}\r\n\r\n.cl-step-letter-tag{\r\n  font-size:10px;font-weight:800;\r\n  letter-spacing:2px;text-transform:uppercase;\r\n  color:#C9A84C;margin-bottom:6px;\r\n}\r\n.cl-step.done .cl-step-letter-tag{color:#22c55e}\r\n.cl-step-title{\r\n  font-family:'Plus Jakarta Sans',serif;\r\n  font-size:20px;font-weight:700;\r\n  color:#333145;margin-bottom:10px;\r\n}\r\n.cl-step-desc{\r\n  font-size:14px;color:#4B5563;line-height:1.8;\r\n  margin-bottom:16px;\r\n}\r\n.cl-step-what{\r\n  display:flex;gap:8px;flex-wrap:wrap;\r\n  margin-bottom:16px;\r\n}\r\n.cl-what-chip{\r\n  display:inline-flex;align-items:center;gap:6px;\r\n  font-size:12px;font-weight:600;\r\n  color:#333145;background:#f0f5ff;\r\n  border:1px solid rgba(10,31,68,.08);\r\n  padding:5px 12px;border-radius:100px;\r\n}\r\n.cl-step-action{\r\n  display:inline-flex;align-items:center;gap:8px;\r\n  font-size:12px;font-weight:700;color:#C9A84C;\r\n  text-decoration:none;\r\n  border-bottom:1px dashed rgba(201,168,76,.4);\r\n  padding-bottom:2px;\r\n  transition:all .25s;\r\n}\r\n.cl-step-action:hover{color:#333145;border-bottom-color:#333145}\r\n\r\n\/* scroll animation *\/\r\n.cl-anim{opacity:0;transform:translateY(28px);transition:opacity .7s ease,transform .7s ease}\r\n.cl-anim.visible{opacity:1;transform:translateY(0)}\r\n.cl-anim-l{opacity:0;transform:translateX(-28px);transition:opacity .7s ease,transform .7s ease}\r\n.cl-anim-l.visible{opacity:1;transform:translateX(0)}\r\n\r\n@media(max-width:900px){\r\n  .cl-proc-head{grid-template-columns:1fr}\r\n  .cl-proc-promise{display:none}\r\n}\r\n@media(max-width:600px){\r\n  .cl-process{padding:70px 20px}\r\n  .cl-step{grid-template-columns:60px 1fr;gap:16px}\r\n  .cl-step-circle{width:60px;height:60px;font-size:22px}\r\n  .cl-steps-wrap::before{left:29px}\r\n  .cl-step-card{padding:20px}\r\n}\r\n<\/style>\r\n\r\n<section class=\"cl-process\">\r\n  <div class=\"cl-proc-inner\">\r\n\r\n    <div class=\"cl-proc-head cl-anim\">\r\n      <div>\r\n        <div class=\"cl-sec-tag\">Our Claim Process<\/div>\r\n        <h2 class=\"cl-sec-h2\">The <span>IDPCS Framework<\/span><br>\u2014 5 Steps, Zero Stress<\/h2>\r\n        <p class=\"cl-sec-sub\">Founded on 22 years of claim experience, our IDPCS process ensures every client gets expert support from the very first call to the final settlement.<\/p>\r\n      <\/div>\r\n      <div class=\"cl-proc-promise\">\r\n        <div class=\"cl-pp-icon\">\ud83c\udfc6<\/div>\r\n        <div class=\"cl-pp-text\">\r\n          <span>MDRT & COT AWARD WINNERS<\/span>\r\n          Navdrishti has handled<br>thousands of claims since 2003\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <div class=\"cl-steps-wrap\">\r\n\r\n      <!-- STEP 1: INFORM -->\r\n      <div class=\"cl-step cl-anim-l\">\r\n        <div class=\"cl-step-num-col\">\r\n          <div class=\"cl-step-circle\">\r\n            \ud83d\udce3\r\n            <div class=\"cl-step-circle-badge\">1<\/div>\r\n          <\/div>\r\n        <\/div>\r\n        <div class=\"cl-step-card\">\r\n          <div class=\"cl-step-letter-tag\">Step 1 \u00b7 I \u2014 Inform<\/div>\r\n          <div class=\"cl-step-title\">Claim Intimation<\/div>\r\n          <div class=\"cl-step-desc\">\r\n            The moment you're admitted to a hospital or need to make a claim, your first call is to us \u2014\r\n            not the insurance company. Call, WhatsApp, or email Navdrishti any time. We take complete\r\n            responsibility from this point forward so you can focus entirely on health and recovery.\r\n          <\/div>\r\n          <div class=\"cl-step-what\">\r\n            <div class=\"cl-what-chip\">\ud83d\udcde Call us immediately<\/div>\r\n            <div class=\"cl-what-chip\">\ud83d\udcac WhatsApp 24\/7<\/div>\r\n            <div class=\"cl-what-chip\">\u2709\ufe0f Email anytime<\/div>\r\n          <\/div>\r\n          <a href=\"tel:+919XXXXXXXXX\" class=\"cl-step-action\">\r\n            \ud83d\udcde Call Claim Helpline Now \u2192\r\n          <\/a>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <!-- STEP 2: DOCUMENT -->\r\n      <div class=\"cl-step cl-anim-l\">\r\n        <div class=\"cl-step-num-col\">\r\n          <div class=\"cl-step-circle\">\r\n            \ud83d\udcc4\r\n            <div class=\"cl-step-circle-badge\">2<\/div>\r\n          <\/div>\r\n        <\/div>\r\n        <div class=\"cl-step-card\">\r\n          <div class=\"cl-step-letter-tag\">Step 2 \u00b7 D \u2014 Document<\/div>\r\n          <div class=\"cl-step-title\">Document Sharing<\/div>\r\n          <div class=\"cl-step-desc\">\r\n            We collect your policy details, customer ID, and all required documents and share them\r\n            directly with the hospital's insurance desk. No confusion, no delays, no running around\r\n            corridors while your family is anxious. We prepare and transmit everything correctly\r\n            so the hospital can process your claim without hiccups.\r\n          <\/div>\r\n          <div class=\"cl-step-what\">\r\n            <div class=\"cl-what-chip\">\ud83e\udeaa Policy ID shared<\/div>\r\n            <div class=\"cl-what-chip\">\ud83d\udccb Hospital TPA desk<\/div>\r\n            <div class=\"cl-what-chip\">\ud83d\udcce All docs verified<\/div>\r\n          <\/div>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <!-- STEP 3: PROCESS -->\r\n      <div class=\"cl-step cl-anim-l\">\r\n        <div class=\"cl-step-num-col\">\r\n          <div class=\"cl-step-circle\">\r\n            \u2699\ufe0f\r\n            <div class=\"cl-step-circle-badge\">3<\/div>\r\n          <\/div>\r\n        <\/div>\r\n        <div class=\"cl-step-card\">\r\n          <div class=\"cl-step-letter-tag\">Step 3 \u00b7 P \u2014 Process<\/div>\r\n          <div class=\"cl-step-title\">Claim Processing<\/div>\r\n          <div class=\"cl-step-desc\">\r\n            The hospital submits the pre-authorisation or reimbursement request to the insurance company\r\n            on your behalf. We ensure the request is complete, accurate and well-documented before it\r\n            leaves the hospital \u2014 eliminating the most common cause of claim delays and rejections at\r\n            the processing stage.\r\n          <\/div>\r\n          <div class=\"cl-step-what\">\r\n            <div class=\"cl-what-chip\">\ud83c\udfe5 Hospital submits claim<\/div>\r\n            <div class=\"cl-what-chip\">\u2705 Pre-auth in 30 min<\/div>\r\n            <div class=\"cl-what-chip\">\ud83d\udcd1 Zero missing docs<\/div>\r\n          <\/div>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <!-- STEP 4: COORDINATE -->\r\n      <div class=\"cl-step cl-anim-l\">\r\n        <div class=\"cl-step-num-col\">\r\n          <div class=\"cl-step-circle\">\r\n            \ud83d\udd04\r\n            <div class=\"cl-step-circle-badge\">4<\/div>\r\n          <\/div>\r\n        <\/div>\r\n        <div class=\"cl-step-card\">\r\n          <div class=\"cl-step-letter-tag\">Step 4 \u00b7 C \u2014 Coordinate<\/div>\r\n          <div class=\"cl-step-title\">Continuous Coordination<\/div>\r\n          <div class=\"cl-step-desc\">\r\n            We maintain constant, real-time coordination between you, the insurance company, and the\r\n            hospital. You receive regular status updates \u2014 so you're never in the dark. If any query\r\n            or issue arises from the insurer, we respond and resolve it immediately. You never have\r\n            to chase anyone or explain yourself repeatedly.\r\n          <\/div>\r\n          <div class=\"cl-step-what\">\r\n            <div class=\"cl-what-chip\">\ud83d\udd01 Real-time updates<\/div>\r\n            <div class=\"cl-what-chip\">\ud83e\udd1d 3-way coordination<\/div>\r\n            <div class=\"cl-what-chip\">\u26a1 Immediate escalation<\/div>\r\n          <\/div>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <!-- STEP 5: SETTLE -->\r\n      <div class=\"cl-step done cl-anim-l\">\r\n        <div class=\"cl-step-num-col\">\r\n          <div class=\"cl-step-circle\">\r\n            \u2705\r\n            <div class=\"cl-step-circle-badge\" style=\"background:#22c55e\">5<\/div>\r\n          <\/div>\r\n        <\/div>\r\n        <div class=\"cl-step-card\">\r\n          <div class=\"cl-step-letter-tag\">Step 5 \u00b7 S \u2014 Settle<\/div>\r\n          <div class=\"cl-step-title\">Claim Settlement<\/div>\r\n          <div class=\"cl-step-desc\">\r\n            Your claim is reviewed, approved, and settled by the insurance company \u2014 either as a\r\n            cashless treatment at the hospital (you pay nothing) or as a reimbursement directly\r\n            to your bank account. Our job isn't done until you receive every rupee you're entitled\r\n            to. That's the Navdrishti promise.\r\n          <\/div>\r\n          <div class=\"cl-step-what\">\r\n            <div class=\"cl-what-chip\" style=\"background:#f0fdf4;border-color:rgba(34,197,94,.2);color:#166534\">\ud83c\udfe5 Cashless at hospital<\/div>\r\n            <div class=\"cl-what-chip\" style=\"background:#f0fdf4;border-color:rgba(34,197,94,.2);color:#166534\">\ud83c\udfe6 Or bank reimbursement<\/div>\r\n            <div class=\"cl-what-chip\" style=\"background:#f0fdf4;border-color:rgba(34,197,94,.2);color:#166534\">\ud83c\udf89 Fully settled<\/div>\r\n          <\/div>\r\n        <\/div>\r\n      <\/div>\r\n\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\r\n\r\n<script>\r\n(function(){\r\n  var els=document.querySelectorAll('.cl-anim,.cl-anim-l');\r\n  var obs=new IntersectionObserver(function(entries){\r\n    entries.forEach(function(e,i){\r\n      if(e.isIntersecting){\r\n        setTimeout(function(){e.target.classList.add('visible')},i*80);\r\n        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-->\r\n<style>\r\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Plus+Jakarta+Sans:wght@300;400;500;600;700;800&display=swap');\r\n#clcvr *{box-sizing:border-box!important;}\r\n#clcvr,#clcvr h2,#clcvr h3,#clcvr p,#clcvr span,#clcvr div,#clcvr a{font-family:'Plus Jakarta Sans',sans-serif!important;line-height:normal!important;}\r\n\r\n#clcvr{background:#fff!important;padding:46px 48px!important;position:relative!important;overflow:hidden!important;}\r\n#clcvr::before{content:''!important;position:absolute!important;bottom:-60px!important;right:-60px!important;width:380px!important;height:380px!important;border-radius:50%!important;background:radial-gradient(circle,rgba(201,168,76,.07) 0%,transparent 70%)!important;pointer-events:none!important;}\r\n#clcvr .ccvr-wrap{max-width:1280px!important;margin:0 auto!important;position:relative!important;z-index:1!important;}\r\n#clcvr .ccvr-tag{font-size:11px!important;font-weight:700!important;letter-spacing:3px!important;text-transform:uppercase!important;color:#C9A84C!important;margin-bottom:10px!important;display:block!important;}\r\n#clcvr .ccvr-h2{font-size:clamp(28px,3.5vw,50px)!important;font-weight:800!important;color:#333145!important;line-height:1.1!important;letter-spacing:-.5px!important;margin-bottom:12px!important;}\r\n#clcvr .ccvr-h2 span{color:#C9A84C!important;}\r\n#clcvr .ccvr-sub{font-size:16px!important;color:#718096!important;line-height:1.8!important;max-width:560px!important;margin-bottom:52px!important;}\r\n\r\n\/* Two-col grid *\/\r\n#clcvr .ccvr-grid{display:grid!important;grid-template-columns:1fr 1fr!important;gap:24px!important;margin-bottom:40px!important;}\r\n\r\n\/* Each type card *\/\r\n#clcvr .ccvr-card{\r\n  border-radius:24px!important;overflow:hidden!important;\r\n  border:1.5px solid #EDF2F7!important;\r\n  box-shadow:0 4px 22px rgba(51,49,69,.07)!important;\r\n  transition:transform .4s ease,box-shadow .4s ease!important;cursor:default!important;\r\n}\r\n#clcvr .ccvr-card:hover{transform:translateY(-8px)!important;box-shadow:0 24px 60px rgba(51,49,69,.12)!important;}\r\n#clcvr .ccvr-card.cashless{border-color:rgba(34,197,94,.22)!important;}\r\n#clcvr .ccvr-card.reimburse{border-color:rgba(14,165,233,.22)!important;}\r\n\r\n\/* Card header band *\/\r\n#clcvr .ccvr-head{padding:28px 30px 22px!important;position:relative!important;overflow:hidden!important;}\r\n#clcvr .ccvr-card.cashless .ccvr-head{background:linear-gradient(135deg,#dcfce7,#f0fdf4)!important;}\r\n#clcvr .ccvr-card.reimburse .ccvr-head{background:linear-gradient(135deg,#dbeafe,#eff6ff)!important;}\r\n#clcvr .ccvr-head-ic{font-size:32px!important;margin-bottom:10px!important;display:block!important;}\r\n#clcvr .ccvr-head-title{font-size:22px!important;font-weight:800!important;color:#333145!important;margin-bottom:4px!important;}\r\n#clcvr .ccvr-head-tag{\r\n  display:inline-block!important;font-size:10px!important;font-weight:800!important;\r\n  padding:3px 10px!important;border-radius:100px!important;letter-spacing:.8px!important;text-transform:uppercase!important;\r\n}\r\n#clcvr .ccvr-card.cashless .ccvr-head-tag{background:rgba(34,197,94,.15)!important;color:#16a34a!important;}\r\n#clcvr .ccvr-card.reimburse .ccvr-head-tag{background:rgba(14,165,233,.15)!important;color:#0369a1!important;}\r\n\r\n\/* Card body *\/\r\n#clcvr .ccvr-body{padding:24px 30px 28px!important;}\r\n#clcvr .ccvr-desc{font-size:14px!important;color:#718096!important;line-height:1.8!important;margin-bottom:20px!important;}\r\n\r\n\/* Info rows *\/\r\n#clcvr .ccvr-rows{display:flex!important;flex-direction:column!important;gap:10px!important;margin-bottom:22px!important;}\r\n#clcvr .ccvr-row{\r\n  display:flex!important;align-items:flex-start!important;gap:10px!important;\r\n  padding:11px 14px!important;border-radius:10px!important;\r\n}\r\n#clcvr .ccvr-card.cashless .ccvr-row{background:rgba(34,197,94,.05)!important;border:1px solid rgba(34,197,94,.1)!important;}\r\n#clcvr .ccvr-card.reimburse .ccvr-row{background:rgba(14,165,233,.05)!important;border:1px solid rgba(14,165,233,.1)!important;}\r\n#clcvr .ccvr-row-ic{font-size:16px!important;flex-shrink:0!important;margin-top:1px!important;}\r\n#clcvr .ccvr-row-t{font-size:13px!important;font-weight:600!important;color:#333145!important;margin-bottom:1px!important;}\r\n#clcvr .ccvr-row-s{font-size:12px!important;color:#9CA3AF!important;}\r\n\r\n\/* Timeline chip *\/\r\n#clcvr .ccvr-time{\r\n  display:inline-flex!important;align-items:center!important;gap:7px!important;\r\n  padding:8px 16px!important;border-radius:100px!important;\r\n  font-size:13px!important;font-weight:700!important;\r\n}\r\n#clcvr .ccvr-card.cashless .ccvr-time{background:rgba(34,197,94,.1)!important;color:#16a34a!important;}\r\n#clcvr .ccvr-card.reimburse .ccvr-time{background:rgba(14,165,233,.1)!important;color:#0369a1!important;}\r\n\r\n\/* Bottom tip *\/\r\n#clcvr .ccvr-tip{\r\n  background:linear-gradient(135deg,#FBF7EE,#fff)!important;\r\n  border:1.5px solid rgba(201,168,76,.2)!important;border-radius:16px!important;\r\n  padding:22px 26px!important;\r\n  display:flex!important;align-items:center!important;gap:16px!important;flex-wrap:wrap!important;\r\n}\r\n#clcvr .ccvr-tip-ic{font-size:28px!important;flex-shrink:0!important;}\r\n#clcvr .ccvr-tip-t{font-size:15px!important;font-weight:700!important;color:#333145!important;margin-bottom:3px!important;}\r\n#clcvr .ccvr-tip-s{font-size:13px!important;color:#718096!important;line-height:1.65!important;}\r\n#clcvr .ccvr-tip-btn{\r\n  margin-left:auto!important;flex-shrink:0!important;\r\n  display:inline-flex!important;align-items:center!important;gap:8px!important;\r\n  padding:11px 20px!important;border-radius:9px!important;\r\n  background:#333145!important;color:#C9A84C!important;\r\n  font-size:13px!important;font-weight:700!important;text-decoration:none!important;\r\n  transition:all .3s ease!important;white-space:nowrap!important;\r\n}\r\n#clcvr .ccvr-tip-btn:hover{background:#C9A84C!important;color:#333145!important;transform:translateY(-2px)!important;}\r\n\r\n@media(max-width:1024px){#clcvr .ccvr-grid{grid-template-columns:1fr!important;}#clcvr{padding:72px 24px!important;}}\r\n@media(max-width:600px){#clcvr .ccvr-tip{flex-direction:column!important;align-items:flex-start!important;}#clcvr .ccvr-tip-btn{margin-left:0!important;width:100%!important;justify-content:center!important;}}\r\n<\/style>\r\n\r\n<section id=\"clcvr\">\r\n  <div class=\"ccvr-wrap\">\r\n    <div class=\"nd-reveal\">\r\n      <span class=\"ccvr-tag\">Claim Types Explained<\/span>\r\n      <h2 class=\"ccvr-h2\">Cashless or <span>Reimbursement<\/span> \u2014 We Handle Both<\/h2>\r\n      <p class=\"ccvr-sub\">Understanding the difference helps you prepare better. Either way, Navdrishti guides you from first call to final settlement.<\/p>\r\n    <\/div>\r\n\r\n    <div class=\"ccvr-grid\">\r\n\r\n      <!-- CASHLESS -->\r\n      <div class=\"ccvr-card cashless nd-reveal-l\">\r\n        <div class=\"ccvr-head\">\r\n          <span class=\"ccvr-head-ic\">\ud83c\udfe5<\/span>\r\n          <div class=\"ccvr-head-title\">Cashless Claim<\/div>\r\n          <span class=\"ccvr-head-tag\">Easiest & Fastest<\/span>\r\n        <\/div>\r\n        <div class=\"ccvr-body\">\r\n          <p class=\"ccvr-desc\">The insurer pays the hospital directly for covered expenses. You only pay for genuinely non-covered items like certain consumables or room rent above your limit.<\/p>\r\n          <div class=\"ccvr-rows\">\r\n            <div class=\"ccvr-row\"><span class=\"ccvr-row-ic\">\u2705<\/span><div><div class=\"ccvr-row-t\">Network \/ panel hospital required<\/div><div class=\"ccvr-row-s\">We instantly verify if your hospital qualifies<\/div><\/div><\/div>\r\n            <div class=\"ccvr-row\"><span class=\"ccvr-row-ic\">\ud83d\udccb<\/span><div><div class=\"ccvr-row-t\">Minimal documents from you<\/div><div class=\"ccvr-row-s\">Policy number, Aadhaar\/PAN, doctor's admission note<\/div><\/div><\/div>\r\n            <div class=\"ccvr-row\"><span class=\"ccvr-row-ic\">\ud83e\udd1d<\/span><div><div class=\"ccvr-row-t\">Hospital bills insurer directly<\/div><div class=\"ccvr-row-s\">You pay nothing for admissible amounts<\/div><\/div><\/div>\r\n            <div class=\"ccvr-row\"><span class=\"ccvr-row-ic\">\u26a1<\/span><div><div class=\"ccvr-row-t\">Pre-auth approval within 1 hour<\/div><div class=\"ccvr-row-s\">Final discharge approval within 3 hours (IRDAI)<\/div><\/div><\/div>\r\n          <\/div>\r\n          <div class=\"ccvr-time\">\u23f1 Pre-auth: ~1 hr \u00b7 Discharge: ~3 hrs<\/div>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <!-- REIMBURSEMENT -->\r\n      <div class=\"ccvr-card reimburse nd-reveal-r\">\r\n        <div class=\"ccvr-head\">\r\n          <span class=\"ccvr-head-ic\">\ud83d\udcb0<\/span>\r\n          <div class=\"ccvr-head-title\">Reimbursement Claim<\/div>\r\n          <span class=\"ccvr-head-tag\">Non-Network Hospital<\/span>\r\n        <\/div>\r\n        <div class=\"ccvr-body\">\r\n          <p class=\"ccvr-desc\">When your hospital is not in the insurer's network \u2014 you pay the bill upfront, collect documents, and we submit the claim. Your money comes back to your bank account.<\/p>\r\n          <div class=\"ccvr-rows\">\r\n            <div class=\"ccvr-row\"><span class=\"ccvr-row-ic\">\ud83c\udfe5<\/span><div><div class=\"ccvr-row-t\">Any hospital \u2014 network or not<\/div><div class=\"ccvr-row-s\">No restriction on where you get treated<\/div><\/div><\/div>\r\n            <div class=\"ccvr-row\"><span class=\"ccvr-row-ic\">\ud83d\udccb<\/span><div><div class=\"ccvr-row-t\">We give you a personalised checklist<\/div><div class=\"ccvr-row-s\">Navdrishti reviews & uploads docs on your behalf<\/div><\/div><\/div>\r\n            <div class=\"ccvr-row\"><span class=\"ccvr-row-ic\">\ud83d\udd04<\/span><div><div class=\"ccvr-row-t\">We track & push the insurer<\/div><div class=\"ccvr-row-s\">Regular updates until settlement confirmed<\/div><\/div><\/div>\r\n            <div class=\"ccvr-row\"><span class=\"ccvr-row-ic\">\ud83c\udfe6<\/span><div><div class=\"ccvr-row-t\">Amount credited to your bank<\/div><div class=\"ccvr-row-s\">Approved amount directly in your account<\/div><\/div><\/div>\r\n          <\/div>\r\n          <div class=\"ccvr-time\">\u23f1 Settlement typically within 30 days<\/div>\r\n        <\/div>\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n    <!-- Tip banner -->\r\n    <!--<div class=\"ccvr-tip nd-reveal\" data-d=\"0.1\">-->\r\n    <!--  <span class=\"ccvr-tip-ic\">\ud83d\udca1<\/span>-->\r\n    <!--  <div>-->\r\n    <!--    <div class=\"ccvr-tip-t\">Not sure which route applies to your situation?<\/div>-->\r\n    <!--    <div class=\"ccvr-tip-s\">Just call or WhatsApp \u2014 we'll instantly confirm if your hospital is in the network and guide you on the exact next step. It takes 2 minutes.<\/div>-->\r\n    <!--  <\/div>-->\r\n    <!--  <a href=\"https:\/\/wa.me\/919711778778?text=I%20need%20help%20with%20my%20claim%20route\" target=\"_blank\" class=\"ccvr-tip-btn\">Ask Us Now \u2192<\/a>-->\r\n    <!--<\/div>-->\r\n  <\/div>\r\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a323f60 e-con-full e-flex e-con e-parent\" data-id=\"a323f60\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-43bada5 elementor-widget elementor-widget-html\" data-id=\"43bada5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- ============================================================\r\n  NAVDRISHTI \u2014 CLAIMS PAGE  |  S5: STATS + TRUST BAND\r\n  Animated gold shimmer band \u00b7 4 stats \u00b7 Trust quote\r\n  Full Width \u00b7 0 Padding \u00b7 0 Margin \u00b7 All CSS !important\r\n============================================================ -->\r\n<style>\r\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Plus+Jakarta+Sans:wght@300;400;500;600;700;800&display=swap');\r\n#clstats *{box-sizing:border-box!important;}\r\n#clstats,#clstats h2,#clstats p,#clstats span,#clstats div{font-family:'Plus Jakarta Sans',sans-serif!important;line-height:normal!important;}\r\n\r\n@keyframes csGold{0%{background-position:0% center}100%{background-position:200% center}}\r\n@keyframes csShimmer{0%{background-position:0% center}100%{background-position:200% center}}\r\n\r\n\/* Gold band *\/\r\n#clstats .cst-gold{\r\n  background:linear-gradient(135deg,#C9A84C 0%,#e8c96b 50%,#C9A84C 100%)!important;\r\n  background-size:200% auto!important;animation:csGold 5s linear infinite!important;\r\n  padding:22px 48px!important;position:relative!important;overflow:hidden!important;\r\n}\r\n#clstats .cst-gold::before{content:''!important;position:absolute!important;top:50%!important;left:50%!important;transform:translate(-50%,-50%)!important;width:700px!important;height:700px!important;border-radius:50%!important;background:rgba(255,255,255,.08)!important;pointer-events:none!important;}\r\n#clstats .cst-gold::after{content:''!important;position:absolute!important;inset:0!important;background-image:radial-gradient(circle,rgba(255,255,255,.06) 1px,transparent 1px)!important;background-size:28px 28px!important;pointer-events:none!important;}\r\n#clstats .cst-gi{max-width:1280px!important;margin:0 auto!important;display:grid!important;grid-template-columns:repeat(4,1fr)!important;gap:0!important;position:relative!important;z-index:1!important;}\r\n#clstats .cst-gitem{\r\n  text-align:center!important;padding:12px 24px!important;\r\n  border-right:1px solid rgba(255,255,255,.2)!important;cursor:default!important;\r\n  transition:background .25s!important;\r\n}\r\n#clstats .cst-gitem:last-child{border-right:none!important;}\r\n#clstats .cst-gitem:hover{background:rgba(255,255,255,.12)!important;}\r\n#clstats .cst-gi-ic{font-size:28px!important;margin-bottom:8px!important;display:block!important;}\r\n#clstats .cst-gi-n{font-size:clamp(30px,3.5vw,48px)!important;font-weight:800!important;color:#333145!important;line-height:1!important;margin-bottom:5px!important;}\r\n#clstats .cst-gi-l{font-size:12px!important;font-weight:700!important;color:rgba(51,49,69,.7)!important;text-transform:uppercase!important;letter-spacing:1px!important;}\r\n\r\n\/* Trust testimonial section *\/\r\n#clstats .cst-trust{\r\n  background:\r\n    repeating-linear-gradient(-45deg,transparent,transparent 28px,rgba(201,168,76,.04) 28px,rgba(201,168,76,.04) 29px),\r\n    linear-gradient(160deg,#FDFAF4 0%,#FAFBFF 60%,#F6F4FA 100%)!important;\r\n  padding:80px 48px!important;position:relative!important;overflow:hidden!important;\r\n}\r\n#clstats .cst-trust-wrap{max-width:1280px!important;margin:0 auto!important;position:relative!important;z-index:1!important;}\r\n\r\n\/* Quote *\/\r\n#clstats .cst-quote{\r\n  text-align:center!important;max-width:820px!important;margin:0 auto 56px!important;\r\n}\r\n#clstats .cst-qmark{font-size:80px!important;font-weight:800!important;color:rgba(201,168,76,.2)!important;line-height:.8!important;display:block!important;margin-bottom:-16px!important;}\r\n#clstats .cst-qtext{font-size:clamp(18px,2.5vw,28px)!important;font-weight:700!important;color:#333145!important;line-height:1.55!important;font-style:italic!important;margin-bottom:18px!important;}\r\n#clstats .cst-qtext span{\r\n  font-style:normal!important;\r\n  background:linear-gradient(90deg,#C9A84C,#e8c96b,#C9A84C)!important;background-size:200% auto!important;\r\n  -webkit-background-clip:text!important;-webkit-text-fill-color:transparent!important;\r\n  background-clip:text!important;animation:csShimmer 3.5s linear infinite!important;\r\n}\r\n#clstats .cst-qattr{font-size:13px!important;font-weight:600!important;color:#A0AEC0!important;letter-spacing:1px!important;text-transform:uppercase!important;}\r\n\r\n\/* Trust points grid *\/\r\n#clstats .cst-tgrid{display:grid!important;grid-template-columns:repeat(3,1fr)!important;gap:16px!important;}\r\n#clstats .cst-tcard{\r\n  background:#fff!important;border:1.5px solid #EDF2F7!important;border-radius:16px!important;\r\n  padding:24px 22px!important;\r\n  box-shadow:0 3px 14px rgba(51,49,69,.07)!important;\r\n  display:flex!important;align-items:flex-start!important;gap:14px!important;\r\n  transition:all .35s ease!important;cursor:default!important;\r\n}\r\n#clstats .cst-tcard:hover{border-color:rgba(201,168,76,.3)!important;transform:translateY(-4px)!important;box-shadow:0 14px 36px rgba(51,49,69,.1)!important;}\r\n#clstats .cst-tcard-ic{\r\n  width:44px!important;height:44px!important;border-radius:11px!important;\r\n  display:flex!important;align-items:center!important;justify-content:center!important;\r\n  font-size:20px!important;flex-shrink:0!important;\r\n}\r\n#clstats .cst-tcard:nth-child(1) .cst-tcard-ic{background:rgba(201,168,76,.1)!important;border:1.5px solid rgba(201,168,76,.15)!important;}\r\n#clstats .cst-tcard:nth-child(2) .cst-tcard-ic{background:rgba(34,197,94,.08)!important;border:1.5px solid rgba(34,197,94,.14)!important;}\r\n#clstats .cst-tcard:nth-child(3) .cst-tcard-ic{background:rgba(14,165,233,.08)!important;border:1.5px solid rgba(14,165,233,.14)!important;}\r\n#clstats .cst-tcard:nth-child(4) .cst-tcard-ic{background:rgba(168,85,247,.08)!important;border:1.5px solid rgba(168,85,247,.14)!important;}\r\n#clstats .cst-tcard:nth-child(5) .cst-tcard-ic{background:rgba(239,68,68,.08)!important;border:1.5px solid rgba(239,68,68,.14)!important;}\r\n#clstats .cst-tcard:nth-child(6) .cst-tcard-ic{background:rgba(251,146,60,.08)!important;border:1.5px solid rgba(251,146,60,.14)!important;}\r\n#clstats .cst-tcard-t{font-size:14px!important;font-weight:800!important;color:#333145!important;margin-bottom:4px!important;}\r\n#clstats .cst-tcard-s{font-size:12px!important;color:#9CA3AF!important;line-height:1.6!important;}\r\n\r\n@media(max-width:1024px){#clstats .cst-gi{grid-template-columns:repeat(2,1fr)!important;}#clstats .cst-gitem:nth-child(2){border-right:none!important;}#clstats .cst-gitem:nth-child(n+3){border-top:1px solid rgba(255,255,255,.2)!important;}#clstats .cst-tgrid{grid-template-columns:repeat(2,1fr)!important;}#clstats .cst-gold,#clstats .cst-trust{padding-left:24px!important;padding-right:24px!important;}}\r\n@media(max-width:600px){#clstats .cst-gi{grid-template-columns:1fr 1fr!important;}#clstats .cst-tgrid{grid-template-columns:1fr!important;}}\r\n<\/style>\r\n\r\n<div id=\"clstats\">\r\n  <!-- Gold stats band -->\r\n  <div class=\"cst-gold\">\r\n    <div class=\"cst-gi nd-reveal\">\r\n      <div class=\"cst-gitem\"><span class=\"cst-gi-ic\">\u2705<\/span><div class=\"cst-gi-n\">99%<\/div><div class=\"cst-gi-l\">Claim Settlement Ratio<\/div><\/div>\r\n      <div class=\"cst-gitem\"><span class=\"cst-gi-ic\">\ud83d\udcc5<\/span><div class=\"cst-gi-n\">22+<\/div><div class=\"cst-gi-l\">Years of Experience<\/div><\/div>\r\n      <div class=\"cst-gitem\"><span class=\"cst-gi-ic\">\u26a1<\/span><div class=\"cst-gi-n\">1 hr<\/div><div class=\"cst-gi-l\">Avg Pre-Auth Time<\/div><\/div>\r\n      <div class=\"cst-gitem\"><span class=\"cst-gi-ic\">\ud83c\udfe5<\/span><div class=\"cst-gi-n\">14,000+<\/div><div class=\"cst-gi-l\">Network Hospitals<\/div><\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- Trust section -->\r\n  <!--<div class=\"cst-trust\">-->\r\n  <!--  <div class=\"cst-trust-wrap\">-->\r\n      <!-- Quote -->\r\n      <!--<div class=\"cst-quote nd-reveal\">-->\r\n      <!--  <span class=\"cst-qmark\">\"<\/span>-->\r\n      <!--  <p class=\"cst-qtext\">We don't just help you file a claim. We act as your <span>personal claim manager<\/span> \u2014 one number for all insurers, one team that talks to hospital, TPA, and insurer on your behalf.<\/p>-->\r\n      <!--  <div class=\"cst-qattr\">Navdrishti Group \u00b7 Est. 2003 \u00b7 Delhi NCR<\/div>-->\r\n      <!--<\/div>-->\r\n\r\n      <!-- Why Navdrishti cards -->\r\n      <!--<div class=\"cst-tgrid\">-->\r\n      <!--  <div class=\"cst-tcard nd-reveal\">-->\r\n      <!--    <div class=\"cst-tcard-ic\">\ud83d\udcde<\/div>-->\r\n      <!--    <div><div class=\"cst-tcard-t\">One Number for All Insurers<\/div><div class=\"cst-tcard-s\">97117 78778 handles claims across all 9 partner insurers \u2014 you never need to find separate claim numbers.<\/div><\/div>-->\r\n      <!--  <\/div>-->\r\n      <!--  <div class=\"cst-tcard nd-reveal\" data-d=\"0.06\">-->\r\n      <!--    <div class=\"cst-tcard-ic\">\ud83e\udd1d<\/div>-->\r\n      <!--    <div><div class=\"cst-tcard-t\">We Talk to Everyone<\/div><div class=\"cst-tcard-s\">Hospital, TPA, and insurer \u2014 we coordinate on your behalf so you can focus on recovery, not paperwork.<\/div><\/div>-->\r\n      <!--  <\/div>-->\r\n      <!--  <div class=\"cst-tcard nd-reveal\" data-d=\"0.12\">-->\r\n      <!--    <div class=\"cst-tcard-ic\">\ud83d\udcac<\/div>-->\r\n      <!--    <div><div class=\"cst-tcard-t\">Dedicated WhatsApp Support<\/div><div class=\"cst-tcard-s\">Real-time updates, live tracking, document sharing \u2014 all on WhatsApp 24\u00d77, including emergencies.<\/div><\/div>-->\r\n      <!--  <\/div>-->\r\n      <!--  <div class=\"cst-tcard nd-reveal\" data-d=\"0.06\">-->\r\n      <!--    <div class=\"cst-tcard-ic\">\ud83d\udd12<\/div>-->\r\n      <!--    <div><div class=\"cst-tcard-t\">Zero Paperwork Stress<\/div><div class=\"cst-tcard-s\">We review, fill, and submit documents in most cases \u2014 you just need to tell us what happened.<\/div><\/div>-->\r\n      <!--  <\/div>-->\r\n      <!--  <div class=\"cst-tcard nd-reveal\" data-d=\"0.12\">-->\r\n      <!--    <div class=\"cst-tcard-ic\">\ud83d\udea8<\/div>-->\r\n      <!--    <div><div class=\"cst-tcard-t\">Rejection Appeal Support<\/div><div class=\"cst-tcard-s\">If your claim is rejected, we review the reason, provide missing docs, and appeal \u2014 most cases resolved.<\/div><\/div>-->\r\n      <!--  <\/div>-->\r\n      <!--  <div class=\"cst-tcard nd-reveal\" data-d=\"0.18\">-->\r\n      <!--    <div class=\"cst-tcard-ic\">\ud83d\udcb0<\/div>-->\r\n      <!--    <div><div class=\"cst-tcard-t\">Always Free \u2014 No Hidden Cost<\/div><div class=\"cst-tcard-s\">Our claim support service costs you absolutely nothing. Our only goal is your claim getting settled.<\/div><\/div>-->\r\n      <!--  <\/div>-->\r\n      <!--<\/div>-->\r\n    <\/div>\r\n  <\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e0c8c8 e-con-full e-flex e-con e-parent\" data-id=\"4e0c8c8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0d99253 elementor-widget elementor-widget-html\" data-id=\"0d99253\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- ============================================================\r\n  NAVDRISHTI \u2014 CLAIMS PAGE  |  S6: FAQ ACCORDION\r\n  9 questions from docx \u00b7 White bg \u00b7 Smooth expand\r\n  Full Width \u00b7 0 Padding \u00b7 0 Margin \u00b7 All CSS !important\r\n============================================================ -->\r\n<style>\r\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Plus+Jakarta+Sans:wght@300;400;500;600;700;800&display=swap');\r\n#clfaq *{box-sizing:border-box!important;}\r\n#clfaq,#clfaq h2,#clfaq h3,#clfaq p,#clfaq span,#clfaq div,#clfaq a,#clfaq button{font-family:'Plus Jakarta Sans',sans-serif!important;line-height:normal!important;}\r\n\r\n#clfaq{background:#fff!important;padding:56px 48px!important;position:relative!important;overflow:hidden!important;}\r\n#clfaq::before{content:''!important;position:absolute!important;top:-60px!important;left:-60px!important;width:360px!important;height:360px!important;border-radius:50%!important;background:radial-gradient(circle,rgba(201,168,76,.07) 0%,transparent 70%)!important;pointer-events:none!important;}\r\n\r\n#clfaq .cfq-wrap{max-width:1100px!important;margin:0 auto!important;position:relative!important;z-index:1!important;}\r\n#clfaq .cfq-inner{display:grid!important;grid-template-columns:1fr 1.6fr!important;gap:72px!important;align-items:start!important;}\r\n\r\n\/* Left sticky *\/\r\n#clfaq .cfq-left{position:sticky!important;top:90px!important;}\r\n#clfaq .cfq-tag{font-size:11px!important;font-weight:700!important;letter-spacing:3px!important;text-transform:uppercase!important;color:#C9A84C!important;margin-bottom:10px!important;display:block!important;}\r\n#clfaq .cfq-h2{font-size:clamp(26px,3.2vw,44px)!important;font-weight:800!important;color:#333145!important;line-height:1.12!important;letter-spacing:-.5px!important;margin-bottom:14px!important;}\r\n#clfaq .cfq-h2 span{color:#C9A84C!important;}\r\n#clfaq .cfq-sub{font-size:15px!important;color:#718096!important;line-height:1.8!important;margin-bottom:28px!important;}\r\n#clfaq .cfq-cta{background:linear-gradient(160deg,#333145,#2a2740)!important;border-radius:18px!important;padding:24px 22px!important;}\r\n#clfaq .cfq-cta-t{font-size:15px!important;font-weight:800!important;color:#fff!important;margin-bottom:6px!important;}\r\n#clfaq .cfq-cta-s{font-size:13px!important;color:rgba(255,255,255,.5)!important;line-height:1.65!important;margin-bottom:16px!important;}\r\n#clfaq .cfq-cta-btns{display:flex!important;flex-direction:column!important;gap:8px!important;}\r\n#clfaq .cfq-cb{display:flex!important;align-items:center!important;gap:9px!important;padding:11px 16px!important;border-radius:9px!important;font-size:13px!important;font-weight:700!important;text-decoration:none!important;transition:all .3s ease!important;}\r\n#clfaq .cfq-cb.dark{background:#C9A84C!important;color:#333145!important;}\r\n#clfaq .cfq-cb.dark:hover{background:#e8c96b!important;transform:translateY(-2px)!important;}\r\n#clfaq .cfq-cb.wa{background:#25D366!important;color:#fff!important;}\r\n#clfaq .cfq-cb.wa:hover{background:#20b558!important;transform:translateY(-2px)!important;}\r\n\r\n\/* Right \u2014 accordions 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.cfq-a{max-height:0!important;overflow:hidden!important;transition:max-height .4s ease!important;}\r\n#clfaq .cfq-item.open .cfq-a{max-height:500px!important;}\r\n#clfaq .cfq-a-inner{padding:0 20px 20px 68px!important;font-size:14px!important;color:#4A5568!important;line-height:1.85!important;}\r\n#clfaq .cfq-a-inner strong{color:#333145!important;font-weight:700!important;}\r\n#clfaq .cfq-a-inner a{color:#C9A84C!important;font-weight:600!important;text-decoration:none!important;}\r\n#clfaq .cfq-a-inner a:hover{text-decoration:underline!important;}\r\n#clfaq .cfq-a-inner ul{margin:8px 0 0 0!important;padding-left:18px!important;}\r\n#clfaq .cfq-a-inner ul li{margin-bottom:4px!important;}\r\n\r\n@media(max-width:1024px){#clfaq .cfq-inner{grid-template-columns:1fr!important;gap:44px!important;}#clfaq .cfq-left{position:relative!important;top:auto!important;}#clfaq{padding:72px 24px!important;}}\r\n@media(max-width:540px){#clfaq .cfq-a-inner{padding-left:48px!important;}}\r\n<\/style>\r\n\r\n<section id=\"clfaq\">\r\n  <div class=\"cfq-wrap\">\r\n    <div class=\"cfq-inner\">\r\n\r\n      <!-- LEFT -->\r\n      <div class=\"cfq-left nd-reveal-l\">\r\n        <span class=\"cfq-tag\">FAQ<\/span>\r\n        <h2 class=\"cfq-h2\">Common Claim <span>Questions<\/span><\/h2>\r\n        <p class=\"cfq-sub\">Everything people ask before and during a claim \u2014 answered simply and honestly.<\/p>\r\n        <div class=\"cfq-cta\">\r\n          <div class=\"cfq-cta-t\">Still have a question?<\/div>\r\n          <div class=\"cfq-cta-s\">We're available 24\u00d77 for claim-related queries \u2014 no waiting, no bots.<\/div>\r\n          <div class=\"cfq-cta-btns\">\r\n            <a href=\"tel:+919711778778\" class=\"cfq-cb dark\">\ud83d\udcde Call: 97117 78778<\/a>\r\n            <a href=\"https:\/\/wa.me\/919711778778\" target=\"_blank\" class=\"cfq-cb wa\">\ud83d\udcac WhatsApp Us<\/a>\r\n          <\/div>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <!-- RIGHT \u2014 Accordions -->\r\n      <div class=\"cfq-list nd-reveal-r\" data-d=\"0.1\">\r\n\r\n        <div class=\"cfq-item open\" id=\"cfq1\">\r\n          <button class=\"cfq-q\" onclick=\"cfqToggle('cfq1')\">\r\n            <div class=\"cfq-q-ic\">\ud83d\udcb3<\/div>\r\n            <span class=\"cfq-q-txt\">What is a Cashless Claim?<\/span>\r\n            <div class=\"cfq-toggle\">+<\/div>\r\n          <\/button>\r\n          <div class=\"cfq-a\"><div class=\"cfq-a-inner\">In a cashless claim, the insurance company pays the hospital directly for covered expenses. You only pay for non-covered items (like certain consumables or room rent beyond your limit). This is the <strong>easiest and fastest way<\/strong> to claim \u2014 no upfront payment, no reimbursement wait.<\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"cfq-item\" id=\"cfq2\">\r\n          <button class=\"cfq-q\" onclick=\"cfqToggle('cfq2')\">\r\n            <div class=\"cfq-q-ic\">\ud83c\udfe5<\/div>\r\n            <span class=\"cfq-q-txt\">How do I start a claim (Hospitalisation Intimation)?<\/span>\r\n            <div class=\"cfq-toggle\">+<\/div>\r\n          <\/button>\r\n          <div class=\"cfq-a\"><div class=\"cfq-a-inner\">Just call or WhatsApp <strong>919899110066<\/strong> immediately. We guide everything from there.\r\n            <ul><li><strong>Planned admission<\/strong> \u2192 Inform 48\u201372 hours in advance<\/li><li><strong>Emergency<\/strong> \u2192 Inform within 24 hours of admission<\/li><\/ul>\r\n            We confirm if your hospital is in the network and guide you on exact next steps.<\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"cfq-item\" id=\"cfq3\">\r\n          <button class=\"cfq-q\" onclick=\"cfqToggle('cfq3')\">\r\n            <div class=\"cfq-q-ic\">\ud83d\udccb<\/div>\r\n            <span class=\"cfq-q-txt\">What documents are required for cashless claims?<\/span>\r\n            <div class=\"cfq-toggle\">+<\/div>\r\n          <\/button>\r\n          <div class=\"cfq-a\"><div class=\"cfq-a-inner\">Very few from your side! Usually just:\r\n            <ul><li>Policy number \/ Policy Document<\/li><li>Aadhaar &amp; PAN<\/li><li>Doctor's prescription and admission note<\/li><\/ul>\r\n            Navdrishti handles submitting everything else to the hospital's TPA desk.<\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"cfq-item\" id=\"cfq4\">\r\n          <button class=\"cfq-q\" onclick=\"cfqToggle('cfq4')\">\r\n            <div class=\"cfq-q-ic\">\u23f1\ufe0f<\/div>\r\n            <span class=\"cfq-q-txt\">How long does cashless approval take?<\/span>\r\n            <div class=\"cfq-toggle\">+<\/div>\r\n          <\/button>\r\n          <div class=\"cfq-a\"><div class=\"cfq-a-inner\">\r\n            <ul><li><strong>Pre-authorisation:<\/strong> Usually approved within 1 hour (as per IRDAI rules)<\/li><li><strong>Final discharge approval:<\/strong> Within 3 hours of the hospital raising the request (IRDAI mandated)<\/li><\/ul>\r\n            Navdrishti monitors both in real-time and updates you immediately.<\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"cfq-item\" id=\"cfq5\">\r\n          <button class=\"cfq-q\" onclick=\"cfqToggle('cfq5')\">\r\n            <div class=\"cfq-q-ic\">\ud83c\udfe5<\/div>\r\n            <span class=\"cfq-q-txt\">What if my hospital is not in the network?<\/span>\r\n            <div class=\"cfq-toggle\">+<\/div>\r\n          <\/button>\r\n          <div class=\"cfq-a\"><div class=\"cfq-a-inner\">No problem! You can still get settled through the <strong>reimbursement route<\/strong>. You pay the bill upfront, collect documents, and submit them. Navdrishti gives you a personalised checklist, helps fill the claim form, reviews your documents, and follows up with the insurer till you get the money back (usually within 30 days).<\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"cfq-item\" id=\"cfq6\">\r\n          <button class=\"cfq-q\" onclick=\"cfqToggle('cfq6')\">\r\n            <div class=\"cfq-q-ic\">\ud83d\udd04<\/div>\r\n            <span class=\"cfq-q-txt\">How does the reimbursement process work?<\/span>\r\n            <div class=\"cfq-toggle\">+<\/div>\r\n          <\/button>\r\n          <div class=\"cfq-a\"><div class=\"cfq-a-inner\">\r\n            <ul><li>Intimate us immediately after admission<\/li><li>Pay the hospital bill and collect all original documents<\/li><li>Submit documents to us (we upload on your behalf in most cases)<\/li><li>We track and push the insurer for settlement<\/li><\/ul>\r\n            You get the approved amount directly credited to your bank account.<\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"cfq-item\" id=\"cfq7\">\r\n          <button class=\"cfq-q\" onclick=\"cfqToggle('cfq7')\">\r\n            <div class=\"cfq-q-ic\">\ud83d\udcca<\/div>\r\n            <span class=\"cfq-q-txt\">Can I track my claim status?<\/span>\r\n            <div class=\"cfq-toggle\">+<\/div>\r\n          <\/button>\r\n          <div class=\"cfq-a\"><div class=\"cfq-a-inner\">Yes! Once you intimate the claim, we give you a unique <strong>Claim Reference Number<\/strong>. You can ask for live updates anytime on WhatsApp or call. We also send regular SMS\/WhatsApp updates \u2014 you are never left in the dark about where your claim stands.<\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"cfq-item\" id=\"cfq8\">\r\n          <button class=\"cfq-q\" onclick=\"cfqToggle('cfq8')\">\r\n            <div class=\"cfq-q-ic\">\u274c<\/div>\r\n            <span class=\"cfq-q-txt\">What if my claim gets rejected or partially settled?<\/span>\r\n            <div class=\"cfq-toggle\">+<\/div>\r\n          <\/button>\r\n          <div class=\"cfq-a\"><div class=\"cfq-a-inner\">Don't worry. We review every rejection reason and help you:\r\n            <ul><li>Provide missing documents<\/li><li>Appeal the decision<\/li><li>Coordinate directly with the insurer<\/li><\/ul>\r\n            In most cases, we are able to resolve the rejection or get partial approvals improved.<\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"cfq-item\" id=\"cfq9\">\r\n          <button class=\"cfq-q\" onclick=\"cfqToggle('cfq9')\">\r\n            <div class=\"cfq-q-ic\">\ud83e\udd1d<\/div>\r\n            <span class=\"cfq-q-txt\">How is Navdrishti different from other agents?<\/span>\r\n            <div class=\"cfq-toggle\">+<\/div>\r\n          <\/button>\r\n          <div class=\"cfq-a\"><div class=\"cfq-a-inner\">We act as your <strong>personal claim manager<\/strong>:\r\n            <ul><li>One number for all insurers<\/li><li>We talk to hospital + TPA + insurance company on your behalf<\/li><li>Dedicated WhatsApp support 24\u00d77<\/li><li>Zero paperwork stress<\/li><li>Rejection appeal support included<\/li><li>Always completely free \u2014 our only goal is your claim getting settled<\/li><\/ul><\/div><\/div>\r\n        <\/div>\r\n\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\r\n\r\n<script>\r\nfunction cfqToggle(id){\r\n  var el=document.getElementById(id);\r\n  if(!el)return;\r\n  var isOpen=el.classList.contains('open');\r\n  document.querySelectorAll('#clfaq .cfq-item').forEach(function(i){i.classList.remove('open');});\r\n  if(!isOpen)el.classList.add('open');\r\n}\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4f044c9 e-con-full elementor-hidden-mobile e-flex e-con e-parent\" data-id=\"4f044c9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cc6ce22 elementor-widget elementor-widget-html\" data-id=\"cc6ce22\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- ============================================================\r\n  NAVDRISHTI \u2014 CLAIMS PAGE  |  S7: FINAL CTA + FOOTER + WA FAB\r\n  Gold shimmer CTA band \u00b7 Dark stats strip \u00b7 WA FAB\r\n  Full Width \u00b7 0 Padding \u00b7 0 Margin \u00b7 All CSS !important\r\n============================================================ -->\r\n<style>\r\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Plus+Jakarta+Sans:wght@300;400;500;600;700;800&display=swap');\r\n#clcta *{box-sizing:border-box!important;}\r\n#clcta,#clcta h2,#clcta p,#clcta span,#clcta div,#clcta a{font-family:'Plus Jakarta Sans',sans-serif!important;line-height:normal!important;}\r\n@keyframes cctGold{0%{background-position:0% center}100%{background-position:200% center}}\r\n@keyframes cctShimmer{0%{background-position:0% center}100%{background-position:200% center}}\r\n@keyframes ndWa{0%,100%{box-shadow:0 6px 24px rgba(37,211,102,.4)}50%{box-shadow:0 6px 40px rgba(37,211,102,.7),0 0 0 8px rgba(37,211,102,.12)}}\r\n\r\n\/* \u2500\u2500 CLAIM ACTION ROW \u2500\u2500 *\/\r\n#clcta .cct-action{\r\n  background:#fff!important;padding:52px 48px!important;\r\n  border-top:1px solid #EDF2F7!important;\r\n  position:relative!important;overflow:hidden!important;\r\n}\r\n#clcta .cct-action::before{content:''!important;position:absolute!important;bottom:-60px!important;right:-60px!important;width:320px!important;height:320px!important;border-radius:50%!important;background:radial-gradient(circle,rgba(201,168,76,.07) 0%,transparent 70%)!important;pointer-events:none!important;}\r\n#clcta .cct-ai{max-width:1280px!important;margin:0 auto!important;display:grid!important;grid-template-columns:repeat(3,1fr)!important;gap:20px!important;position:relative!important;z-index:1!important;}\r\n#clcta .cct-acard{\r\n  background:#FAFBFF!important;border:1.5px solid #EDF2F7!important;border-radius:18px!important;\r\n  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.cct-acard-btn{background:#25D366!important;color:#fff!important;}\r\n#clcta .cct-acard:nth-child(2) .cct-acard-btn:hover{background:#20b558!important;}\r\n#clcta .cct-acard:nth-child(3) .cct-acard-btn{background:#C9A84C!important;color:#333145!important;}\r\n#clcta .cct-acard:nth-child(3) .cct-acard-btn:hover{background:#e8c96b!important;}\r\n\r\n\/* \u2500\u2500 GOLD CTA BAND \u2500\u2500 *\/\r\n#clcta .cct-gold{\r\n  padding:48px 48px!important;\r\n  background:linear-gradient(135deg,#C9A84C 0%,#e8c96b 50%,#C9A84C 100%)!important;\r\n  background-size:200% auto!important;animation:cctGold 5s linear infinite!important;\r\n  position:relative!important;overflow:hidden!important;\r\n}\r\n#clcta .cct-gold::before{content:''!important;position:absolute!important;top:50%!important;left:50%!important;transform:translate(-50%,-50%)!important;width:600px!important;height:600px!important;border-radius:50%!important;background:rgba(255,255,255,.08)!important;pointer-events:none!important;}\r\n#clcta .cct-gi{max-width:1280px!important;margin:0 auto!important;display:flex!important;align-items:center!important;justify-content:space-between!important;gap:24px!important;flex-wrap:wrap!important;position:relative!important;z-index:1!important;}\r\n#clcta .cct-gt{font-size:clamp(20px,2.5vw,32px)!important;font-weight:800!important;color:#333145!important;margin-bottom:5px!important;letter-spacing:-.3px!important;}\r\n#clcta .cct-gs{font-size:15px!important;color:rgba(51,49,69,.65)!important;}\r\n#clcta .cct-gbtns{display:flex!important;gap:10px!important;flex-wrap:wrap!important;flex-shrink:0!important;}\r\n#clcta 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DARK FOOTER \u2500\u2500 *\/\r\n#clcta .cct-footer{background:#1a1826!important;padding:48px 48px!important;position:relative!important;overflow:hidden!important;}\r\n#clcta .cct-footer::before{content:''!important;position:absolute!important;inset:0!important;background-image:radial-gradient(circle,rgba(201,168,76,.04) 1px,transparent 1px)!important;background-size:38px 38px!important;pointer-events:none!important;}\r\n#clcta .cct-fi{max-width:1280px!important;margin:0 auto!important;display:grid!important;grid-template-columns:repeat(4,1fr)!important;gap:0!important;border-top:1px solid rgba(255,255,255,.06)!important;padding-top:32px!important;position:relative!important;z-index:1!important;}\r\n#clcta .cct-fitem{text-align:center!important;padding:20px 16px!important;border-right:1px solid rgba(255,255,255,.06)!important;cursor:default!important;transition:background .25s!important;}\r\n#clcta .cct-fitem:last-child{border-right:none!important;}\r\n#clcta 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Start Your Claim Today.<\/div>\r\n        <div class=\"cct-gs\">24\u00d77 support \u00b7 Free service \u00b7 99% settlement ratio \u00b7 We handle everything<\/div>\r\n      <\/div>\r\n      <div class=\"cct-gbtns\">\r\n        <a href=\"tel:+919711778778\" class=\"cct-gb1\">\ud83d\udcde <span>Call:<\/span> 97117 78778<\/a>\r\n        <a href=\"https:\/\/wa.me\/919711778778?text=I%20need%20claim%20support%20from%20Navdrishti\" target=\"_blank\" class=\"cct-gb2\">\ud83d\udcac WhatsApp Now<\/a>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n  <!-- 3 action cards -->\r\n  <div class=\"cct-action\">\r\n    <div class=\"cct-ai nd-reveal\">\r\n      <div class=\"cct-acard\">\r\n        <span class=\"cct-acard-ic\">\ud83d\udee1\ufe0f<\/span>\r\n        <div class=\"cct-acard-t\">File a New Claim<\/div>\r\n        <div class=\"cct-acard-s\">Hospitalised right now or recently? Start your claim process immediately. We guide you from first call.<\/div>\r\n        <a href=\"https:\/\/wa.me\/919711778778?text=I%20want%20to%20file%20a%20new%20insurance%20claim\" target=\"_blank\" class=\"cct-acard-btn\">Start Now \u2192<\/a>\r\n      <\/div>\r\n      <div class=\"cct-acard\">\r\n        <span class=\"cct-acard-ic\">\ud83d\udccb<\/span>\r\n        <div class=\"cct-acard-t\">Track Existing Claim<\/div>\r\n        <div class=\"cct-acard-s\">Already filed? Get a live status update and we'll push the insurer if there are any delays.<\/div>\r\n        <a href=\"https:\/\/wa.me\/919711778778?text=I%20want%20to%20track%20my%20existing%20claim%20status\" target=\"_blank\" class=\"cct-acard-btn\">Track Claim \u2192<\/a>\r\n      <\/div>\r\n      <div class=\"cct-acard\">\r\n        <span class=\"cct-acard-ic\">\ud83d\udcac<\/span>\r\n        <div class=\"cct-acard-t\">Get Claim Assistance<\/div>\r\n        <div class=\"cct-acard-s\">Have a claim question? Confused about documents? Need advice on a rejection? 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From the moment you call us to the day you receive your settlement \u2014 Navdrishti handles everything. Hospital, TPA, insurer \u2014 we coordinate directly so you never have to chase anyone. \ud83d\udee1\ufe0f File a New Claim \ud83d\udccb Track Existing Claim \ud83d\udcac Get Claim Assistance Live [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-513","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/navdrishtigroup.com\/insurance\/wp-json\/wp\/v2\/pages\/513","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/navdrishtigroup.com\/insurance\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/navdrishtigroup.com\/insurance\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/navdrishtigroup.com\/insurance\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/navdrishtigroup.com\/insurance\/wp-json\/wp\/v2\/comments?post=513"}],"version-history":[{"count":0,"href":"https:\/\/navdrishtigroup.com\/insurance\/wp-json\/wp\/v2\/pages\/513\/revisions"}],"wp:attachment":[{"href":"https:\/\/navdrishtigroup.com\/insurance\/wp-json\/wp\/v2\/media?parent=513"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}