Tatkal Claims author
Founder
Founder of Tatkal Claims. Ankit L Kanoi has 12+ years of experience in the insurance industry and holds an MSc. in Finance and Management from Essex University, UK. He founded Tatkal Claims in 2019 to help policyholders address unfair insurance claim denials.
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Published articles attributed to this Tatkal Claims author profile.
The Delhi High Court held that a Section 166 MACT claim could not impose statutory liability on the owner or insurer on these facts. Any personal-accident policy claim is contractual and depends on the policy wording, which the family may pursue before the insurer and, if necessary, another competent forum.
If your insurance claim has been rejected, learn what to do next: understand the rejection, collect evidence, complain to the insurer, use Bima Bharosa, approach the Insurance Ombudsman, and consider further remedies.
Mis-sold an insurance policy in India? Learn how to identify insurance mis-selling, collect evidence, complain to the insurer, escalate through Bima Bharosa and seek further remedies.
A nationwide LocalCircles survey reveals that over 80% of users face dark patterns like hidden charges, subscription traps, and forced data sharing on online insurance platforms. Learn how to protect yourself.
The Hansa Research CuES 2026 report reveals that while health insurance adoption in India is rising, customer experience is declining. Claims friction, network issues, and transparency gaps remain key pain points.
Tamil Nadu Chief Minister C. Joseph Vijay announced on 19 August 2026 that CMCHIS annual cover would increase from Rs 5 lakh to Rs 25 lakh per family. The announcement is clear, but beneficiaries should verify the effective date, government order and package-level implementation before assuming the higher limit is already usable.
Health insurance claims can be rejected, disallowed or reduced for different reasons. Careful disclosure, understanding medical necessity and checking policy conditions can reduce avoidable disputes, but no single statistic should be treated as a universal rejection rate.
Rajya Sabha-derived Q1 FY27 data shows 80,539 insurance complaints, including 36,749 claim-related and 8,503 unfair-business-practice complaints. Raw complaint counts are not a service-quality ranking because insurers differ greatly in customer base and business size.
Health insurance claims in India face systemic challenges: 11-12.9% rejection rates, cashless delays stretching to 48 hours, documentation gaps, and lack of transparency. Here is a comprehensive guide to the common issues, your IRDAI rights, and how to fight back.
IRDAI sets different claim-handling timelines depending on the type of insurance and claim. Health cashless requests have 1-hour pre-authorisation and 3-hour final discharge timelines, while grievance and settlement rules vary by product. Here is how to check the rule that applies to your claim and escalate a delay.
Reuters reported that an IRDAI-chaired panel is weighing benchmark treatment rates, a common health insurance product, a uniform treatment list and wider NHCX adoption to address medical inflation, claims friction and fraud. The proposals are still under consideration.
Parked vehicles can suffer theft, flood, vandalism and falling-object losses, but coverage depends on the motor policy, precautions taken and the facts. Consumer decisions show that open or roadside parking does not automatically defeat a theft claim, yet parking location is not legally irrelevant in every case.
A LocalCircles survey found that 44% of claim-outcome respondents said their health claim was rejected or partially approved for reasons they considered invalid. Half of discharge-time respondents reported a 6-48 hour process, while IRDAI's current cashless timelines are 1 hour for pre-authorisation and 3 hours for final discharge authorisation.
A consumer commission has ordered an insurer to pay Rs 2.26 lakh after it rejected a car theft claim, arguing the owner had parked negligently under tree branches on a public road. The commission cited Supreme Court precedent and held that theft claims must be settled on a 'non-standard basis' — parking location is irrelevant.
A Himachal Pradesh consumer commission has ordered Cholamandalam MS General Insurance to pay over Rs 25,500 after it rejected a comprehensive insurance claim for a damaged electric cycle solely because it was not registered with the RTO. The commission called the repudiation 'flimsy, arbitrary, and legally unsustainable' and a 'clear sign of bad faith.' Here is why this ruling matters for every electric vehicle owner in India.
The Supreme Court has directed IRDAI, in consultation with the Road Transport Ministry, to deliberate on and evolve a pilot linking fuel access with valid third-party motor insurance. It is a pilot-development direction, not yet a nationwide no-fuel rule.
Your cashless claim was approved at admission, so why is the insurer denying it at discharge? Here is the critical difference between provisional approval and final settlement that every hospitalised patient must understand.
Industry data reveals that while 89 percent of health insurance claims were settled by policy, only 78 percent of the total claim amount was paid. Here is why the numbers you trust may be misleading you.
The General Insurance Council issued advisory clinical criteria for fever and infectious-disease admissions. The Council says the guidance is non-binding and does not replace clinical judgment, while some doctors fear insurers could use it to question cashless approvals or claims.
Swiss Re estimated India's mortality protection gap at about USD 16.5 trillion in 2019, equal to 83% of estimated mortality protection need. The figure is a historical mortality-protection estimate, not a 2026 measure of all household financial needs.
Over 70 percent of Indian consumers report premium hikes of 50 to 200 percent. With medical inflation at 14 percent and claim grievances jumping 41 percent, here is what every policyholder must know.
IRDAI launched the Supriya's Bima Diaries comic series to simplify life-insurance concepts. Industry estimates point to a large protection gap, but better literacy can reduce some avoidable misunderstandings rather than guarantee that claims will not be rejected.
The India Health Quotient 2026 found that only 12% of policyholders review their health insurance more than once a year. Regular review can reduce underinsurance and expectation gaps, but it is not the single explanation for claim rejection.
Know the current IRDAI health insurance claim settlement timelines: 1 hour for cashless pre-authorisation, 3 hours for discharge approval, and 15 days for non-cashless claims, plus what to do if your insurer delays.
A Parliamentary Standing Committee recommended increasing AB PM-JAY coverage from Rs 5 lakh to Rs 10 lakh per family. As of August 2026, the Government of India still describes the central scheme's cover as Rs 5 lakh per family per year.
Saral Jeevan Bima is IRDAI's standard individual term-insurance product, with standardised core features and sum assured from Rs 5 lakh to Rs 25 lakh. Premiums vary by insurer and underwriting, so affordability should be assessed from the actual quote rather than a universal starting price.
RBI's June 2026 Financial Stability Report says surrenders and withdrawals accounted for 38.3% of total life-insurance payouts in FY26, ahead of maturity benefits at 36.9%. The figures describe payout composition, not the share of policyholders surrendering policies.
Reuters reported that IRDAI is considering changes to distributor commissions, including staggered payouts and tighter disclosure, as part of an effort to curb mis-selling. The proposals are not final rules.
India has an 87% life insurance protection gap. Your term plan may be active, but is it actually enough? Here's what every policyholder must check before it's too late.
India's insurance regulator IRDAI has formed an expert working group to study AI adoption, governance, and oversight in the insurance sector. Learn what this means for your claims and data protection.
