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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.
Practical guidance for common insurance questions
Start by recording the claim date, documents submitted, insurer communications, survey or investigation updates, and any outstanding requirements. Ask the insurer in writing for the current status and the specific reason for the delay. If the matter remains unresolved, use the insurer's formal grievance process and retain copies of every communication.
Delays can occur when documents are incomplete, additional information is requested, an investigation or survey is pending, liability is disputed, or the insurer is waiting for another party's records. A written explanation of what is still outstanding can help identify whether the delay is justified or needs escalation.
Begin with a written status request to the insurer or relevant claims team. If the response is unsatisfactory, use the insurer's grievance mechanism and keep the complaint reference number and supporting documents. Further escalation should depend on the type of policy, the insurer's response, and the applicable regulatory or dispute-resolution route.
Understand the issue first
Review practical steps for documenting a delay, checking the applicable timeline and escalating through the insurer's grievance process.
Document delay timeline & communications
Send formal demand notice to insurer
File IRDAI grievance if no response
Claim applicable penal interest on delay
Escalate to Ombudsman if needed
Receive settlement + applicable interest
Common questions about claim delay
There is no single universal 30/45-day rule for every insurance claim. IRDAI timelines depend on the product and claim type. For health insurance, current TATs include 1 hour for cashless pre-authorisation, 3 hours for final discharge authorisation, and 15 days for settlement of claims other than cashless. We check the current rule that applies to your specific claim.
Depending on the product and applicable regulation, delay beyond the prescribed TAT may attract penal interest. Where the rule provides it, the rate is commonly 2% above the applicable bank rate. We calculate and pursue only the amount legally applicable to your claim.
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