Insurance Claims

Insurance claims are often rejected on grounds such as non-disclosure, policy exclusions or delay in intimation — not all of which stand up to scrutiny. A policyholder can first complain to the insurer's grievance cell, then approach the Insurance Ombudsman (for claims up to ₹50 lakh, within a year of the insurer's final reply) or a Consumer Commission.

We assess the rejection, advise on the best forum, and pursue the claim with interest and compensation.

When you may need this

• Your health or life insurance claim has been rejected
• Your claim has been paid only in part
• The insurer is delaying settlement
• A fire, theft or property claim has been denied

How we handle it

1. We review the policy, claim and rejection letter
2. We file a grievance with the insurer
3. We approach the Insurance Ombudsman or Consumer Commission
4. We argue the claim and pursue payment

Documents to bring