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Claim Rejection — Fight Back and Get Paid

Insurance claim rejected? Most rejections are not legally sustainable. One strong legal notice forces most companies to reconsider. 90% of our rejection cases are resolved.

Free Consultation 📞 +91 95013 70002

ℹ️ What is this?

Insurance claim rejection is the most common grievance in India. Companies reject claims citing reasons like non-disclosure, policy lapse, exclusion clauses, waiting periods, and document deficiency. However, most of these rejections are either incorrectly applied or can be legally challenged. IRDAI regulations specify strict guidelines for claim rejection — and companies that violate these guidelines face regulatory action. We analyse your rejection letter, identify the legal weakness, and file a targeted complaint.

🔍 Signs you need help

Your claim was rejected citing non-disclosure
Company says the disease was pre-existing without proper investigation
Motor claim rejected citing minor policy conditions
Death claim rejected citing material non-disclosure
Health claim rejected citing waiting period incorrectly
Company is delaying rejection response beyond IRDAI timelines
Term insurance claim rejected after premium payment for years

HOW WE FIGHT FOR YOU

Our Legal Strategy for Your Case

⚖️ Legal Steps We Take

Detailed analysis of rejection letter to identify legal vulnerabilities
Strong GRO complaint citing specific IRDAI claim settlement regulations
Point-by-point legal counter to each ground of rejection
Medical report review and counter-evidence preparation
Ombudsman filing if GRO complaint does not succeed within 30 days
Consumer Forum filing with harassment compensation claim

🏆 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

Can a claim rejection be reversed? +

Yes. In most cases claim rejections are reversible through legal channels. The GRO complaint is the first step, followed by Ombudsman and Consumer Forum. 90% of our rejection cases are resolved at the GRO or Ombudsman stage.

My claim was rejected for non-disclosure. Can I still fight? +

Yes. Non-disclosure is one of the most misused rejection grounds. We analyse whether the non-disclosure was material (relevant to the claim) and whether the company conducted proper investigation before rejection. Most non-disclosure rejections are legally challengeable.

Is there a time limit to challenge a rejection? +

IRDAI requires you to file a Grievance Redressal Officer complaint within a reasonable time. For Ombudsman, the complaint must be filed within 1 year of the company's rejection. Consumer Forum limitation is generally 2 years. We advise you on the specific timeline for your case.

Can you fight death claim rejections? +

Yes. Death claim rejections are among our strongest cases. Companies often reject death claims citing non-disclosure — but many such rejections violate IRDAI's incontestability clause which says a policy in force for 3+ years cannot be repudiated except for fraud.