Frequently Asked Questions

The timeline varies based on complexity. Company-level resolutions typically take 30-60 days. Ombudsman cases average 3-6 months. Legal proceedings may take 6-12 months. We provide realistic timelines upfront and push for the fastest possible resolution.

Typically we need: (1) Policy document, (2) Claim rejection/demand letter, (3) Premium payment receipts, (4) Medical records (for health claims), (5) FIR/accident report (for motor claims), and (6) All correspondence with the insurer. Don't worry if you're missing some — we help you obtain them.

We operate on a transparent fixed fee model based on case complexity. You pay once we begin working on your case. No hidden charges or surprises. We also offer a free initial case evaluation.

Yes. We handle disputes with all IRDAI-registered insurers including LIC, HDFC Life, ICICI Prudential, Star Health, ICICI Lombard, Bajaj Allianz, and 50+ others. We cover Life, Health, Motor, Home, Travel, and General Insurance.

You can approach the Insurance Ombudsman within 1 year of the insurer's final response. For consumer courts, the limitation is 2 years. Even if time has passed, we can explore condonation of delay or alternative remedies. Always worth a consultation.

Absolutely. We use bank-grade encryption for document transfer and storage. Your information is never shared with third parties without consent. Our claims team operates under strict professional confidentiality standards.

Every client gets a dedicated case manager who provides regular updates via WhatsApp, email, or phone. You can also request status updates anytime. We believe in complete transparency throughout the process.

First, get the denial reason in writing from the TPA/insurer. Then file for reimbursement immediately to preserve your rights. Simultaneously, contact us to challenge the cashless denial — many are overturned on appeal.

Only if the disease was existing before policy purchase AND you failed to disclose it. If the policy has completed the waiting period (typically 2-4 years), the claim must be honored. We challenge wrongful PED rejections regularly.

Absolutely. IDV should reflect the market value of your vehicle. We use independent valuation reports and IRDAI guidelines to challenge lowball IDV offers and secure fair settlements.

For cashless claims, you must use a network garage. If none is satisfactory, you can opt for reimbursement and choose any garage. We help you navigate both options.

No. The initial case evaluation is completely free. We assess your case viability, explain your options, and provide a fee quote — all without any obligation.

In most cases, no. Over 70% of our cases are resolved at the insurer or Ombudsman level. We only recommend court proceedings if other avenues are exhausted and the claim amount justifies it.

You can, but insurance disputes involve complex claims and regulatory nuances. Insurers have dedicated teams. Having professional representation significantly improves your chances of success and often results in higher settlements.