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Delay in Claim Process — Force Immediate Settlement

Is your insurance company endlessly delaying your claim? IRDAI mandates specific timelines. Violating them is a regulatory offence. One legal notice forces action in 7–15 days.

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ℹ️ What is this?

IRDAI regulations specify exact timelines within which insurance companies must settle or respond to claims. Life insurance death claims must be settled within 30 days. Health insurance cashless must be authorised within 1–3 hours. Health reimbursement within 30 days. Motor insurance within 30 days. Surveyor appointment within 72 hours. Any delay beyond these timelines is a regulatory violation and actionable. Companies that exceed these timelines also face interest penalty obligations under IRDAI guidelines.

🔍 Signs you need help

Claim pending for more than 30 days without resolution
Company keeps asking for the same documents repeatedly
No response to follow-up calls and emails
Claim acknowledged but no settlement decision communicated
Surveyor appointed but report not shared for weeks
Cashless hospitalisation approval taking hours or being denied
Motor claim surveyor not appointed within 72 hours

HOW WE FIGHT FOR YOU

Our Legal Strategy for Your Case

⚖️ Legal Steps We Take

Formal legal notice citing specific IRDAI circular and timeline violation
Complaint to GRO with IRDAI regulation reference demanding immediate action
IRDAI Bima Bharosa portal complaint for regulatory enforcement
Claim for interest on delayed settlement under IRDAI guidelines
Insurance Ombudsman complaint if company response is inadequate
Consumer Forum if pattern of delay constitutes deficiency in service

🏆 Why Our Approach Works

Latest IRDAI circular references in every complaint
BNS 2023 and Indian Contract Act Section 17 applied correctly
Escalation strategy prepared in advance for all outcomes
Companies know we will go to Ombudsman and Consumer Forum if needed
Free consultation — honest assessment before you commit

FAQs

Frequently Asked Questions

What are the IRDAI mandated timelines for claim settlement? +

Life insurance death claim: 30 days. Health cashless authorisation: 1–3 hours. Health reimbursement: 30 days from last document submission. Motor insurance: 30 days from survey completion. Surveyor appointment: 72 hours. Any violation of these timelines gives you legal grounds for action.

Can I claim interest on a delayed settlement? +

Yes. IRDAI guidelines require insurance companies to pay interest at a rate specified under the policy (or 2% above the bank rate) on delayed settlements. We include interest claims in all our delay complaint filings.

The company keeps asking for more documents. What should I do? +

Companies using repeated document requests as a stalling tactic is a recognised deficiency in service under Consumer Protection Act. We document each request and submission, then use the pattern to support our legal complaint against the delay.