{"id":951,"date":"2021-11-20T05:38:44","date_gmt":"2021-11-20T05:38:44","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=951"},"modified":"2021-11-29T13:00:06","modified_gmt":"2021-11-29T07:30:06","slug":"what-to-do-if-the-insurance-company-rejects-your-claim","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/what-to-do-if-the-insurance-company-rejects-your-claim\/","title":{"rendered":"What to do if the insurance company rejects your claim\u00a0\u00a0"},"content":{"rendered":"\n
\"\"
What to do if the insurance company rejects your claim<\/strong>?<\/figcaption><\/figure>\n\n\n\n

 <\/strong><\/p>\n\n\n\n

Ask a common man what they feel about insurance and they will say it\u2019s not worth it. There is a general perception that insurers do not settle claims. They find ways to reject it in some of the other ways. However, one should not give up. If you feel your claim is genuine, you should fight for it or seek help. We shall tell you how. <\/p>\n\n\n\n

One of the major reasons why insurers get their way is because the legal language and the paperwork that they do gets too complex for the policyholder. A common man may not be able to respond to the insurer in the similar legal language that they use. Here comes the role of Insurance Samadhan. <\/p>\n\n\n\n

\u201cYou can\u2019t get emotional with them. You don\u2019t have to plead. We at Insurance Samadhan help you in communicating with them in their language. We help the dejected policyholders present their case before insurers logically,\u201d says Shailesh Kumar, Head of Insurance & Co-founder at Insurance Samadhan.<\/p>\n\n\n\n

You may contact them at 844844626.<\/p>\n\n\n\n

If you feel you want to fight the case yourself, you may directly reach out to the concerned insurance company. You may escalate the matter with the insurance regulator, Insurance Regulatory and Development Authority of India (IRDAI), too. <\/p>\n\n\n\n

Approach the insurer<\/strong><\/p>\n\n\n\n

All insurers will have a grievance redressal cell. Write to them challenging the reason for the rejection of the claim. It should be concise and clear supported by all relevant documents. <\/p>\n\n\n\n

It is mandatory for the insurers to respond to your grievance within 15 days. <\/p>\n\n\n\n

Approach IRDAI<\/strong><\/p>\n\n\n\n

If you are dissatisfied with their response, approach the Grievance Redressal Cell in the Consumer Affairs Department of the IRDAI. There are different ways to reach out to it: <\/p>\n\n\n\n

i) Submit complete details as required in the complaint registration form put on the IRDAI website \u2013 policyholder.gov.in. <\/p>\n\n\n\n

  iii) Visit the Integrated Grievance Management System (IGMS) –  IRDAI Portal at  \u2013 to register and monitor the complaint. <\/p>\n\n\n\n

iii) send the complaint through Email<\/p>\n\n\n\n

iv)       Call Toll-Free No. 155255 or 1800 4254 732.<\/p>\n\n\n\n

v) You may also send the complaint in the physical form on the following address:<\/p>\n\n\n\n

General Manager<\/em><\/p>\n\n\n\n

Insurance Regulatory and Development Authority of India(IRDAI)<\/em><\/p>\n\n\n\n

Consumer Affairs Department \u2013 Grievance Redressal Cell.<\/em><\/p>\n\n\n\n

Sy.No.115\/1, Financial District, Nanakramguda, <\/em><\/p>\n\n\n\n

Gachibowli, Hyderabad \u2013 500 032<\/em><\/p>\n\n\n\n

Reach out to the Ombudsman <\/strong><\/p>\n\n\n\n

Policyholders can approach the Ombudsman with complaints if:<\/p>\n\n\n\n

They have first approached the insurance company with the complaint and<\/p>\n\n\n\n

\u2022 they have rejected it<\/p>\n\n\n\n

\u2022 not resolved it to their satisfaction or not responded to it at all for 30 days<\/p>\n\n\n\n

\u2022 complaint pertains to any policy they have taken in their capacity as an individual and<\/p>\n\n\n\n

\u2022 the value of the claim including expenses claimed is not above Rs 20 lakhs.<\/p>\n\n\n\n

The processes are aplenty. What matters is framing your case logically and being thorough with it. Insurance Samadhan can help you with it in a timely manner.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

  Ask a common man what they feel about insurance and they will say it\u2019s not worth it. There is a general perception that insurers do not settle claims. They find ways to reject it in some of the other… Continue Reading →<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":986,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[3,1],"tags":[],"class_list":["post-951","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-insurance","category-uncategorized"],"yoast_head":"\nWhat to do if the insurance company rejects your claim\u00a0\u00a0 -<\/title>\n<meta name=\"description\" content=\"Ask a common man what they feel about insurance and they will say it\u2019s not worth it. 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There is a general perception that insurers do not settle claims. They find ways to reject it in some of the other… Continue Reading →","amp_enabled":true,"_links":{"self":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/951","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/comments?post=951"}],"version-history":[{"count":2,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/951\/revisions"}],"predecessor-version":[{"id":960,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/951\/revisions\/960"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/media\/986"}],"wp:attachment":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/media?parent=951"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/categories?post=951"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/tags?post=951"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}