Description
Your insurer has rejected your claim, citing non-disclosure, a waiting period, an exclusion or late intimation, or has paid only part of it. Many such decisions can be challenged successfully, often without any cost. This answer explains the legal protections that limit when an insurer can refuse a claim, and the step by step route through the insurer’s grievance system, IRDAI’s portal, the Insurance Ombudsman and the Consumer Commission, with the time limits that apply at each stage.
What the answer covers
- Legal limits on rejecting life and health claims after a policy has run for some years
- IRDAI timelines for deciding claims, including cashless claims
- When and how to approach the Insurance Ombudsman, and its monetary limit
- Choosing between the Ombudsman and the Consumer Commission
- Time limits at every stage
- Common mistakes that weaken a claim
General legal information, not legal advice. Instant PDF after payment.
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