Claim Delayed, Cut or Refused?

Call us, and tell the insurer as soon as you can: most policies set a time limit. Keep every bill, report and photo. Don't repair damage or throw away damaged goods until the surveyor has seen them, unless you're told you can. For theft, or a road accident with injury, file a police report.

The same person who arranged your policy handles the paperwork and follows up with the insurer until you're paid. We've helped settle more than 6,300 claims this way.

Under IRDAI's 2024 rules, a life claim should be settled within 15 days of intimation once the documents are in, or 45 days if it needs investigation. For general insurance (motor, fire, marine), the surveyor should be appointed within 24 hours, report within 15 days, and the insurer should decide within 7 days of the report. A late insurer owes interest.

Tell us what happened, even if you didn't buy the policy through us, and we'll tell you honestly whether it's worth pursuing. The formal route: complain to the insurer's grievance officer, who must resolve it within 14 days. If that fails, go to IRDAI's Bima Bharosa portal or the Insurance Ombudsman, which is free, must be approached within a year and handles claims up to ₹50 lakh. The Ombudsman is open to individuals, sole proprietors and micro enterprises, not to partnerships or companies.

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Cashless: the insurer settles the hospital bill directly, and you pay only for what the policy doesn't cover. Reimbursement: you pay the hospital, then claim the money back with the bills and reports. We help with both, and make sure eligible costs before and after the hospital stay are claimed too.

Tell the insurer (and us) straight away, take photos, and don't start repairs before the survey. File a police report if anyone is injured. A network garage can repair cashless. Bigger losses need a licensed surveyor, who should be appointed within 24 hours.

Tell the insurer and us at once and ask for a survey. Give the carrier written notice of the damage: at delivery for sea cargo, or within 3 days if it wasn't visible. Keep the invoice, packing list, bill of lading or lorry receipt and every message with the carrier. We once recovered ₹1.5 crore, with interest, after an insurer first rejected a cargo claim.

Within the first 3 years, yes, so disclose your health, smoking and other policies fully. After 3 years from the policy (or revival) date, Section 45 of the Insurance Act stops the insurer from questioning the policy on any ground.

Not after 5 years (60 months) of continuous cover, except for proven fraud or a permanent exclusion in the policy. It used to be 8 years. Years with your previous insurer count if you ported.