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Practical guides, real claim decisions, and policyholder-focused updates on claim rejection, delays, mis-selling, health insurance, and changing IRDAI rules.
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The newest guidance, decisions and regulatory updates, shown first so fresh information is easy to reach.
Health insurer rejected an emergency hospitalisation claim for late intimation? Understand the IRDAI 2024 protection, how to prove the medical timeline and submit a focused appeal.
Health claim denied because a discharge summary or past medical history was wrong? Learn how to obtain hospital records, request a documented correction and appeal with medical evidence.
Senior citizen health claim rejected or paid short? Understand co-pay, pre-existing disease disputes, 36-month waiting periods, the 60-month moratorium and treatment sub-limits before appealing.
Robotic surgery or modern-treatment claim denied or capped? Check IRDAI's listed methods, medical necessity, policy sub-limits, settlement calculations and evidence for appeal.
Health claim reduced by 10%, 20% or 30% co-pay? Check the senior-citizen clause, admissible amount, settlement calculation and evidence for challenging an incorrect deduction.
Hospital collected money during Ayushman Bharat treatment? Check approved package costs, preserve receipts, and seek an evidence-backed PM-JAY refund review through 14555, CGRMS and the State Health Agency.
Start here
Foundational guidance for rejection, delay and mis-selling when you need a clear first step.
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.
Delayed claims cost you money and peace of mind. Discover regulatory deadlines and pressure tactics that work.
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.
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