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From claim rejection to recovery, our expert team handles every type of insurance dispute with proven strategies. Over ₹20 Crores recovered for policyholders across India.
Comprehensive dispute resolution services tailored to your specific insurance challenge
Insurance companies often reject valid claims citing vague policy exclusions, procedural lapses, or incorrect interpretation of terms. Our claims team thoroughly reviews your denial letter, policy wording, and claim history to identify solid grounds for appeal. We draft strong representation letters, escalate to IRDAI, and if needed, file complaints with the Insurance Ombudsman or Consumer Court.
When insurers delay a claim beyond the IRDAI timeline applicable to that product and claim type, we step in with formal demand notices, regulatory complaints to IRDAI, and persistent follow-ups. Turnaround times differ across life, health, and general insurance; for example, current health-insurance TATs include one hour for cashless pre-authorisation, three hours for final discharge authorisation, and 15 days for settlement of claims other than cashless. Where the applicable rules provide penal interest for delay, we also pursue that amount.
Health insurance disputes are emotionally draining. We handle cashless claim denials at network hospitals, disputes over pre-existing disease (PED) clauses, room rent capping issues, co-payment disputes, and claim rejections for pre & post-hospitalization expenses. Our medical experts review hospital records to build a strong, evidence-backed case.
Motor insurance claims involve complex calculations for total loss (IDV disputes), third-party liability assessments, garage cashless network issues, and surveyor report disputes. Our automotive and claims experts ensure you receive fair IDV settlements and proper repairs through authorized network garages. We also handle third-party injury and property damage claims.
If your policy was sold through misrepresentation, false promises of returns, hidden exclusions, or high-pressure tactics, you have strong grounds for complaint. We help document the mis-selling evidence, file complaints with the insurer, IRDAI, and if necessary, pursue refund claims through the Ombudsman or Consumer Forum. We also help with free-look period disputes and policy surrender value issues.
Insurers often apply arbitrary depreciation, incorrect deductibles, or undervalue claims. We independently assess the rightful claim amount using industry-standard valuation methods, policy wording, and IRDAI guidelines. We then negotiate aggressively or litigate to recover the difference between what was offered and what you rightfully deserve.
Don't let insurers deny what is rightfully yours. Get a free case evaluation from our experts today.