Claim Rejection
1 June 20265 min read
How to Deal With Insurance Claim Rejection: A Complete Guide
Learn the step-by-step process to challenge a rejected claim, from internal review to approaching the Ombudsman.
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Knowledge Center
Expert insights to help you understand your rights and navigate insurance disputes successfully.
Claim Delay
8 June 20264 min read
What to Do If Your Insurer Delays Your Claim Settlement
Delayed claims cost you money and peace of mind. Discover regulatory deadlines and pressure tactics that work.
Insurance ExpertRead More
Mis-selling
15 June 20266 min read
Insurance Mis-selling Explained: How to Identify and Report
Was your policy sold as a 'fixed deposit' or 'free insurance'? Know your rights and recovery options.
Insurance ExpertRead More
News
22 June 20265 min read
IRDAI Constitutes Working Group on AI Governance in Insurance: What Policyholders Need to Know
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.
Ankit Kanoi, FounderRead More
News
25 June 20265 min read
E20 Ethanol-Blended Petrol & Insurance Claims: What the Government Clarification Really Means for Your Policy
The government says E20 fuel won't void your motor insurance. But here's the catch: while your policy remains valid, claims for E20-related damage in older vehicles may still be rejected. Here's what every vehicle owner must know.
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News
2 July 20265 min read
The Hidden Protection Gap: Why Your Term Insurance May Leave Your Family Underinsured
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.
Ankit Kanoi, FounderRead More
Mis-selling
3 July 20265 min read
IRDAI Proposes Commission Overhaul to Curb Mis-Selling: What It Means for Your Claims
India's insurance regulator is planning to overhaul agent commissions to tackle mis-selling. Here is why this matters for policyholders facing claim rejections due to unsuitable policies.
Ankit Kanoi, FounderRead More
Claim Rejection
4 July 20265 min read
Mumbai Doctor Wins Rs 20 Lakh Against Insurer That Rejected His Dying Son's Cancer Claim Over a Childhood Speech Delay
A Maharashtra consumer commission has ordered an insurer to pay Rs 20 lakh after it rejected a child's cancer claim and cancelled the policy citing a minor childhood speech delay. Here is why this ruling matters for every health insurance policyholder in India.
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News
5 July 20265 min read
Why Low Insurance Penetration in India Is Costing Families Their Financial Security
Only 15 percent of losses in India are covered by insurance, and over half of all vehicles on the road are uninsured. Here is why this gap matters, and what it means for your claims.
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News
6 July 20265 min read
RBI Flags Rising Life Insurance Surrenders: Nearly 4 in 10 Policyholders Are Walking Away Before Maturity
The Reserve Bank of India reveals that surrenders now exceed maturity payouts in life insurance, signaling widespread policyholder dissatisfaction and potential mis-selling. Here is what this means for your policy and your claims.
Ankit Kanoi, FounderRead More
News
7 July 20265 min read
Saral Jeevan Bima: How a Rs 550-Per-Month Policy Could Protect Your Family and Prevent Claim Disputes
India's regulator-mandated standard term insurance product offers life cover from Rs 5 lakh to Rs 50 lakh starting at just Rs 550 per month. Here is why simpler policies lead to fewer claim rejections.
Ankit kanoi, FounderRead More
News
12 July 20265 min read
IRDAI Puts Insurer CEOs in the Room with Complainants: Why This Changes Everything for Your Claim Dispute
India's insurance regulator is forcing chief executives to face unhappy policyholders directly. With 257,000 grievances logged last year, this bold move could finally shift the power balance in claim disputes.
Legal TeamRead More
News
13 July 20265 min read
Ayushman Bharat Cover May Double to Rs 10 Lakh: What This Means for Your Health Insurance Claims
A Parliamentary Standing Committee has recommended doubling Ayushman Bharat PM-JAY coverage from Rs 5 lakh to Rs 10 lakh per family. Here is why this matters for policyholders facing claim shortfalls and out-of-pocket expenses.
Ankit kanoi, FounderRead More
Mis-selling
14 July 20265 min read
80-Year-Old Deaf Man Went to Bank for a Fixed Deposit, Was Sold Insurance Instead: Wins Rs 2.47 Lakh
A Chhattisgarh consumer commission has ordered Axis Bank and Max Life Insurance to refund Rs 1.77 lakh with 12 percent interest and pay Rs 70,000 compensation after mis-selling an insurance policy to an elderly, hearing-impaired customer who only wanted a fixed deposit.
Legal TeamRead More
Claim Rejection
15 July 20265 min read
Health Insurance Is Not Just a Product Decision: Why the Awareness Gap Is Costing You Your Claims
With medical inflation at 14-15 percent annually, only 12 percent of insured Indians review their policy yearly. Here is why the gap between buying insurance and staying protected is the real reason claims get rejected.
Ankit kanoi, FounderRead More
News
16 July 20265 min read
IRDAI's 30-Day Claim Settlement Rule: Your Rights When Health Insurers Delay or Reject Claims
IRDAI now mandates cashless pre-authorisation within 1 hour, discharge approval within 3 hours, and claim settlement within 30 days. Here is what every policyholder must know when insurers miss these deadlines.
Ankit kanoi, FounderRead More
Claim Rejection
17 July 20265 min read
Insurer Blamed Alcohol and Tobacco for Oral Cancer, Could Not Prove It: Patient Wins Rs 1.65 Lakh
A Raipur consumer court has ordered Star Health to pay Rs 1.65 lakh after it rejected a cancer patient's claim citing pre-existing disease and lifestyle habits without producing any medical evidence.
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News
20 July 20265 min read
COVID Cases Are Rising Again: Does Your Health Insurance Cover Hospitalization and Vaccination Costs?
With COVID-19 cases surging again in India, policyholders are asking whether their health insurance covers hospitalization, treatment, and vaccination. Here is what every insured family must know before filing a claim.
Legal TeamRead More
Claim Rejection
21 July 20265 min read
Bank Deducted Insurance Premium, Refunded It After Borrower's Death, Then Rejected the Claim: Consumer Court Grants Relief
A Jammu and Kashmir consumer commission has ruled that a bank cannot deny loan-linked insurance benefits by reversing the premium after the borrower's death. Here is why this ruling matters for every borrower and their family.
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News
22 July 20265 min read
IRDAI Launches Comic Books to Teach Life Insurance: Why Literacy Is Your Best Defence Against Claim Rejection
IRDAI has unveiled a comic book series to simplify life insurance concepts for consumers. With 87 percent of Indians underinsured, here is why understanding your policy is the first step to avoiding claim disputes.
Ankit kanoi, FounderRead More
News
23 July 20265 min read
Health Insurance Premiums Have Risen Up to 200 Percent: Why Medical Inflation and Claim Distrust Are Crushing Indian Families
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.
Ankit kanoi, FounderRead More
News
24 July 20265 min read
India's Health Insurance Premiums Cross Rs 1.2 Lakh Crore: What the Numbers Hide About Your Claims
The health insurance sector grew 9 percent to cross Rs 1.2 lakh crore in premiums, with claim settlement ratios improving to 87.5 percent. But with 137,000 grievances logged last year, here is what policyholders must watch.
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News
25 July 20265 min read
India's Insurance Protection Gap: Why 83 Percent of Your Family's Financial Needs Are Uninsured
India's mortality protection gap stands at USD 16.5 trillion, with 83 percent of protection needs unmet. Despite 9.4 percent market growth, the gap widens every year. Here is what it means for your claims.
Ankit kanoi, FounderRead More
Claim Rejection
26 July 20265 min read
Son's Dengue Claim Rejected: Ropar Consumer Court Orders Insurer to Pay Father Rs 1.11 Lakh
A Ropar District Consumer Commission has directed an insurer to reimburse Rs 90,079 for a son's dengue treatment, ruling that insurance companies must act fairly and cannot reject legitimate claims on flimsy grounds.
Legal TeamRead More
Claim Rejection
27 July 20268 min read
What to Do If Insurance Claim Is Rejected: A Complete Step-by-Step Guide for Indian Policyholders
Your health insurance claim has been rejected. Before you panic or give up, here is exactly what to do, from understanding the rejection reason to escalating to the Insurance Ombudsman and consumer court.
Ankit kanoi, FounderRead More
News
28 July 20267 min read
Beyond the Breathalyzer: 5 Surprising Lessons From Indian Courts on Alcohol and Insurance Claims
Think a clean breathalyzer means your claim is safe? Indian courts say otherwise. Here are five critical lessons from Supreme Court and High Court rulings that every policyholder must know about alcohol-related claim rejections.
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News
29 July 20265 min read
Rs 4.41 Crore Insurance Fraud Uncovered at United India Insurance Kota: What Fake Claims Mean for Real Policyholders
The CBI has registered four FIRs against six accused including a Deputy Manager for allegedly clearing 31 fake motor insurance claims worth Rs 4.41 crore. Here is how internal fraud affects legitimate claimants.
Legal TeamRead More
Claim Rejection
30 July 20265 min read
Kerala High Court Rules: Insurers Cannot Reject Claims Just Because the Hospital Is Not on Their Network
The Kerala High Court has directed Medisep to reimburse a police officer's cancer treatment at a non-empanelled hospital, ruling that the real test is whether treatment was actually undergone, not whether the hospital is on a list.
Legal TeamRead More
Claim Rejection
31 July 20265 min read
Insurers Issue New Fever Admission Norms: Why Doctors Fear Your Claims Could Be Rejected
The General Insurance Council has issued clinical guidelines for hospitalising fever patients. While insurers call it advisory, doctors warn it could become a weapon to deny cashless approvals and reject legitimate claims.
Ankit kanoi, FounderRead More
News
1 August 20265 min read
The Hidden Truth Behind Claim Settlement Ratios: Why Most Health Insurers Pay Less Than You Claimed
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.
Ankit Kanoi, FounderRead More
Claim Rejection
2 August 20265 min read
Approved Today, Denied Tomorrow: Why Your Cashless Health Insurance Claim Can Fail at Discharge
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.
Ankit kanoi, FounderRead More
News
3 August 20265 min read
Over 4 in 10 Health Insurance Claims Rejected or Partially Approved for Invalid Reasons: Survey
A new survey reveals that 44 percent of health insurance policyholders faced invalid claim rejections or partial approvals. Delays, premium hikes of 50 to 200 percent, and poor grievance redressal are eroding trust in the sector.
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Claim Rejection
4 August 20265 min read
Stolen SUV Claim Rejected Over Policy Transfer: Delhi Woman Wins Rs 11.65 Lakh
A Delhi consumer commission has ordered an insurer to pay Rs 11.65 lakh after it rejected a stolen vehicle claim because the policy was still in the previous owner's name. Here is why this ruling matters for every second-hand car buyer.
Legal TeamRead More
Claim Rejection
4 August 20265 min read
HDFC Life Rejected a Rs 50 Lakh Claim Over Two Existing Policies. The Court Found the Form Never Asked About Them.
A widow won her Rs 50 lakh life insurance claim after HDFC Life rejected it over alleged non-disclosure of other policies. The court found the proposal form only asked about HDFC Life policies, not all insurers.
Legal TeamRead More
News
5 August 20265 min read
No Insurance, No Fuel: Supreme Court Orders IRDAI to Link Petrol Pumps with Vehicle Insurance
The Supreme Court has directed IRDAI and the Road Transport Ministry to develop a pilot project where vehicles without valid third-party motor insurance will be denied fuel at petrol pumps. Here is what this means for 16.5 crore uninsured vehicles in India.
Ankit Kanoi, FounderRead More
Claim Delay
6 August 20266 min read
Oriental Insurance Delayed a Rs 1.25 Crore Fire Claim for 3 Years Over 'Missing Documents.' A Shimla Homeowner Fought Back and Won.
A Shimla homeowner's 30-room ancestral house was completely gutted in a 2023 fire. Oriental Insurance kept the claim pending for years, then rejected it citing document issues and co-ownership disputes. The District Consumer Commission ordered a Rs 1.35 crore payout and called the insurer's conduct 'delay tactics.' Here is why this ruling matters for every home insurance policyholder in India.
Legal TeamRead More
Claim Rejection
7 August 20266 min read
Chola MS Rejected an Electric Cycle Insurance Claim Saying 'No RTO Registration'. A Himachal Woman Fought Back and Won.
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.
Ankit Kanoi, FounderRead More