Practical Guides
Insurance — practical action guides
Step-by-step guides for Insurance problems in India, each with a weekend action plan, a documents checklist, a copy-paste complaint template, an escalation ladder and an honest note on when RTI helps and when it does not.
Personal Accident Insurance Claim Rejected for a Missing FIR, MLC or Post-Mortem? Here Is How to Fix It
Personal accident insurance claim rejected for a missing FIR, MLC, or post-mortem report? Get certified copies, appeal the insurer, and escalate to IRDAI.
InsuranceCashless Health Insurance Approval Delayed by TPA or Hospital? Do This
Cashless approval delayed by your TPA or hospital? Step-by-step escalation: hospital desk script, TPA email, insurer grievance and IRDAI complaint route.
InsuranceCashless Health Claim Denied Because the Hospital Was Blacklisted? Here Is What to Do
Cashless claim denied because the hospital was de-listed or blacklisted by the insurer? Switch to reimbursement, keep all bills, and escalate to IRDAI.
InsuranceCo-pay, Sub-limit and Non-Medical Deductions in Health Insurance: How to Dispute Them
Insurance deducted co-pay, sub-limit or non-medical items wrongly? Audit your bill, spot illegal cuts, and escalate to IRDAI or the Ombudsman. India guide.
InsuranceCritical Illness Insurance Claim Rejected for Non-Disclosure? Here Is How to Fight It
Critical illness claim rejected for non-disclosure of a pre-existing condition? Compare your proposal form, rebut with doctor records, appeal and escalate.
InsuranceCyber Insurance Claim Rejected After Online Fraud? Here Is How to Fight It
Your personal cyber insurance claim was rejected after online fraud? Build the evidence, rebut the exclusion, appeal the insurer and escalate to IRDAI here.
InsuranceFire Insurance Survey Delayed: What to Do Next
Practical India guide for fire insurance survey delayed: evidence checklist, complaint template, escalation ladder, RTI route, official links and FAQs.
InsuranceGroup Term Insurance Claim Delayed After an Employee's Death? Here Is How to Fix It
Employer group term life claim stuck after a death? Get the master policy details from HR, file nominee documents, escalate to the insurer, IRDAI and Ombudsman.
InsuranceHealth Claim Rejected for Pre-Existing Disease? Here Is How to Appeal
Health insurance claim rejected for pre-existing disease? Learn how to appeal, gather evidence, and escalate to IRDAI or Ombudsman. India guide 2026.
InsuranceHealth Insurance Portability Rejected or Delayed Near Renewal Date?
Your health insurance portability request was rejected or delayed near renewal? Protect your waiting periods, escalate, and complain to IRDAI. India 2026.
InsuranceHealth Insurance Portability Reset Your Waiting Period Wrongly? How to Fix It
Ported your health policy but the new insurer reset your pre-existing disease waiting period? Get continuity credit restored: proof, insurer fix, IRDAI route.
InsuranceHealth Insurance Renewal Denied or Premium Loaded After a Claim? Action Plan
Insurer denied your health policy renewal or loaded the premium after a claim? Here is what is allowed, how to challenge it, and the IRDAI route. India guide.
InsuranceHome Insurance Claim Rejected After Fire, Flood, or Theft? Here Is How to Fix It
Home insurance claim rejected after fire, flood or theft? Use RTI to get the FIR, fire-brigade and flood records, then appeal to the insurer and IRDAI. Guide.
InsuranceHome Insurance Valuation Dispute: What to Do Next
Practical India guide for home insurance valuation dispute: evidence checklist, complaint template, escalation ladder, RTI route, official links and FAQs.
InsuranceHospital Indemnity Claim Denied: What to Do Next
Practical India guide for hospital indemnity claim denied: evidence checklist, complaint template, escalation ladder, RTI route, official links and FAQs.
InsuranceInsurance Company Closes Grievance Prematurely: What to Do Next
Practical India guide for insurance company closes grievance prematurely: evidence checklist, complaint template, escalation ladder, RTI route, official links and FAQs.
InsuranceLife Insurance Maturity Payment Delayed: What to Do Next
Practical India guide for life insurance maturity payment delayed: evidence checklist, complaint template, escalation ladder, RTI route, official links and FAQs.
InsuranceLivestock Insurance Claim Rejected After Your Animal's Death? Here Is How to Fix It
Cattle or buffalo insurance claim rejected after the animal died? Fix ear-tag and post-mortem issues, appeal to the insurer, and use RTI for scheme records.
InsuranceLoan Protection Insurance Claim Rejected After Disability, Job Loss, or Death? How to Fight Back
Loan protection insurance claim rejected after disability, job loss, or death? Build proof, appeal the insurer, and escalate to IRDAI, the Ombudsman, and RBI.
InsuranceMaternity Insurance Claim Rejected on a Group Health Policy? Action Plan
Maternity claim rejected on your employer group health policy? Check the waiting period, gather hospital records, and appeal step by step. India guide 2026.
InsuranceMobile Insurance Claim Rejected? Screen, Liquid Damage and Theft — India Action Guide
Mobile insurance claim rejected for screen damage, liquid damage or theft? Step-by-step India guide: documents, escalation to IRDAI and consumer commission.
InsuranceMotor NCB Not Transferred or Wrongly Removed? Here Is How to Fix It
NCB wrongly removed or not transferred on renewal? This guide shows how to get your no-claim bonus restored, switched or carried over to a new insurer.
InsuranceCorporate OPD or Diagnostic Reimbursement Claim Delayed by Your TPA? Action Plan
Your corporate OPD or diagnostic reimbursement claim is delayed by the TPA? Here is how to fix the deficiency, escalate via HR and insurer, and get paid.
InsurancePersonal Accident Claim Delayed: What to Do Next
Practical India guide for personal accident claim delayed: evidence checklist, complaint template, escalation ladder, RTI route, official links and FAQs.
InsuranceRoom-Rent Cap & Proportionate Deduction in Health Insurance: How to Fight the Cut
Insurer cut your health claim using the room-rent cap? Learn how proportionate deduction works, which items are exempt, and how to dispute it step by step.
InsuranceSurveyor Never Visits Accident Site: What to Do Next
Practical India guide for surveyor never visits accident site: evidence checklist, complaint template, escalation ladder, RTI route, official links and FAQs.
InsuranceTerm Insurance Claim Investigation Delay: Complete Nominee Guide
Nominee guide when term insurance claim is under investigation. Documents, follow-up timeline, insurer escalation, IRDAI and ombudsman steps. India 2026.
InsuranceTerm Insurance Investigation Prolonged: What to Do Next
Practical India guide for term insurance investigation prolonged: evidence checklist, complaint template, escalation ladder, RTI route, official links and FAQs.
InsuranceTravel Insurance Claim Rejected? How to Fight Back for Trip, Baggage, and Medical Claims
Travel insurance claim rejected? Fight back for trip cancellation, baggage loss, and medical emergencies with IRDAI ombudsman and consumer court.
InsuranceTravel Insurance Medical Claim Dispute: What to Do Next
Practical India guide for travel insurance medical claim dispute: evidence checklist, complaint template, escalation ladder, RTI route, official links and FAQs.
InsuranceULIP Withdrawal Pending: What to Do Next
Practical India guide for ulip withdrawal pending: evidence checklist, complaint template, escalation ladder, RTI route, official links and FAQs.
InsuranceVehicle Total-Loss or IDV Settlement Dispute? Push Back and Get Paid Right
Car declared total loss but payout feels low? Learn how IDV is set, what constructive total loss means, and how to dispute a stingy settlement. Explainer.
InsuranceTerm insurance claim stuck in verification: a nominee's plan
Term insurance claim frozen in verification or KYC? Get the exact pending item in writing, fix it, then escalate to the insurer, IRDAI and Ombudsman.
InsuranceLife-insurance maturity amount not credited: how to get it paid
Matured life policy money not credited? Find the pending requirement, submit the discharge voucher and NEFT details, and escalate the right way.
InsuranceULIP surrender amount not credited to your account: what to do
ULIP surrender money not credited? Get the written reason and status, check your bank details and lock-in, represent it, then escalate to Bima Bharosa.
InsuranceHealth insurer closed your grievance without answering it
Health insurer marked your grievance resolved but never answered it? Reopen it in writing, demand a reasoned reply, and escalate to Bima Bharosa.
InsuranceSurveyor has not visited after your insurance claim: what to do
No surveyor visiting after your insurance claim intimation? Record the delay, demand a surveyor in writing, and escalate via GRO, Bima Bharosa and Ombudsman.
InsuranceFire insurance claim delayed beyond the timeline: what to do
Fire insurance claim surveyed but stuck past the settlement timeline? Demand a decision and interest in writing, then escalate via Bima Bharosa and Ombudsman.
InsuranceLivestock insurance survey not conducted: how to act fast
Insured animal died but no surveyor or vet inspection done? Capture the ear-tag and post-mortem fast, demand a survey in writing, then escalate the claim.
InsuranceBurglary insurance claim closed without any explanation
Burglary claim closed without any explanation? Demand a written, reasoned decision citing the policy clause, then escalate via GRO, Bima Bharosa and Ombudsman.
InsuranceInsurance Premium Auto-Debited After You Cancelled the Policy
Cancelled your policy but the premium still auto-debited? Stop the mandate at your bank, demand a refund from the insurer, and escalate to IRDAI Bima Bharosa.
InsurancePersonal accident claim not showing on the insurer's portal
Your personal accident claim is missing from the insurer's portal? Prove you intimated it, get the claim registered in writing, and escalate the right way.