TAG: IRDAI

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How to apply for PMSBY and PMJJBY — complete 2026 guide [Apply PMSBY + PMJJBY 2026 — RTI Wiki citizen guide to ₹4 lakh insurance for ₹456 a year] Quick Reply:… Show differences to current revisions , , , , , , , , , , , , , , ,
How to Manage PMVVY and What Replaced It [PMVVY 2026 — RTI Wiki citizen guide for existing policyholders + successor schemes] Quick Reply: PMVVY (Pradhan Mant… Show differences to current revisions , , , , , , , , , , , , , , ,
Banking & Insurance RTI — PSU bank / LIC records (2026) [Banking and Insurance RTI — PSU bank and LIC records] Quick Reply: PSU banks (SBI, PNB, BoB…), LIC an… Show differences to current revisions , , , , , , ,
Bima Sugam: IRDAI's one-stop insurance marketplace [Bima Sugam: IRDAI's one-stop insurance marketplace — RTI Wiki] Quick Reply: Bima Sugam is IRDAI's planned … Show differences to current revisions , , , , , , ,
Cashless Health Insurance Denied at the Hospital [Cashless Health Insurance Denied at Hospital: What to Do Immediately — RTI Wiki] Quick Reply: Hospital says … Show differences to current revisions , , , , , ,
Your rights under the Mental Healthcare Act 2017 [How to claim mental health rights under MHCA 2017 — RTI Wiki citizen guide 2026] Quick Reply: The Mental Hea… Show differences to current revisions , , , , , , , , , , , , , , , , ,
Insurance Ombudsman Complaint 2026 Quick Reply: File a free complaint with the Insurance Ombudsman in India. Rs 50 lakh cap, 30-day insurer wait rule, 18 offic… Show differences to current revisions , , , , , , , ,
Consumables Deducted From Health Insurance Claim [Consumables Deducted From Hospital Bill: Gloves, Syringes, PPE and Other Charges — RTI Wiki] Quick Reply: In… Show differences to current revisions , , , , , , ,
Car Insurance Claim Delayed? Your Rights and Next Steps Quick Reply: Car insurance claim delayed in India? Learn your rights against surveyors, workshops and i… Show differences to current revisions , , , , , , , ,
Cashless Claim Denied? Why the Insurer Asks You to Pay [Cashless Insurance Claim Denied? Why Insurance Companies Suddenly Ask You to Pay — RTI Wiki] Quick Rep… Show differences to current revisions , , , , , , , ,
This is the navigation pillar for the Consumer Warfare cluster on RTI Wiki. If a seller, airline, builder, doctor, telecom operator, bank or app has cheated you… Show differences to current revisions , , , , , , , , , , , , ,
Health insurance co-pay vs deductible in India [Co-payment and deductible worked examples for health insurance] Quick answer: A co-payment makes you bear a st… Show differences to current revisions , , , , , ,
Fake Insurance Policy Scam: IRDAI Verify 2026 RBI Ombudsman as of 1 July 2026: Bank, certain NBFC, prepaid-instrument and credit-information complaints go unde… Show differences to current revisions , , , , , , ,
How to file an insurance complaint (IRDAI / Ombudsman) [How to file insurance complaint 2026 — RTI Wiki citizen guide] Quick Reply: If your health, motor or l… Show differences to current revisions , , , , , , , , , , , , , , , , , , , ,
Health Insurance Claim Delayed Beyond 30 Days Quick Reply: Health insurance claim delayed past 30 days? Demand deficiency letter, claim interest under IRDAI Ma… Show differences to current revisions , , , , , , ,
Health Insurance Claim Delay Rights: IRDAI 30-Day Rule [Health Insurance Claim Delay Rights — IRDAI 30-Day Rule (2026) — RTI Wiki] Quick Reply: Health insuran… Show differences to current revisions , , , , , , , , , , ,
Health Claim Denied for Pre-existing Disease: Appeal Steps [Health insurance claim denied for pre-existing disease appeal guide] Direct answer: Ask the insure… Show differences to current revisions , , , ,
Health Insurance Claim Denied for Pre-Existing Disease [Indian health insurance claim denial letter with medical bills, policy papers and grievance complaint c… Show differences to current revisions , , , , , , ,
Health Insurance Claim Help India [Health Insurance Claim Help India — RTI Wiki] Quick Reply: Health insurance claim rejected, delayed, partly paid or denied … Show differences to current revisions , , , ,
Health Insurance Claim Partly Paid: Challenge Cuts [Health Insurance Claim Partly Paid: How to Challenge Deductions — RTI Wiki] Quick Reply: Insurer paid only… Show differences to current revisions , , , , , , ,
Health Insurance Claim Rejected: IRDAI Complaint Guide 2026 Quick Reply: Health insurance claim denied. Demand written rejection, file Bima Bharosa, escalate t… Show differences to current revisions , , , , , , ,
Health Insurance Free-Look Period: 30-Day Refund Right 2026 [Health Insurance Free-Look Period: 30-Day Refund Right 2026 — RTI Wiki] You signed up for a healt… Show differences to current revisions , , , , , , , , , , , ,
Health Insurance Moratorium Period in India [Health Insurance Moratorium Period in India — RTI Wiki] Quick Reply: The health insurance moratorium period is no… Show differences to current revisions , , , , , , , , , , , , , ,
Reimbursement Claim for a Non-Network Hospital in India [Reimbursement Claim for a Non-Network Hospital in India — RTI Wiki] Quick Reply: File a health insura… Show differences to current revisions , , , , , , , , , ,
Health Insurance Renewal, Hike or Portability: India Guide [Indian health insurance policyholder reviewing renewal premium hike and portability complaint optio… Show differences to current revisions , , , , , , ,
Health Insurance Restoration Benefit: Sum Insured Reset 2026 [Health Insurance Restoration Benefit: Sum Insured Reset 2026 — RTI Wiki] Restoration benefit, al… Show differences to current revisions , , , , , , , , ,
Hospital Bill Deductions: Demand a Line-by-Line Break-Up [Hospital Bill Deductions by Insurance Company: How to Demand Break-Up — RTI Wiki] Quick Reply: Insur… Show differences to current revisions , , , , , , ,
100 Percent FDI in Insurance: What It Means for You [100 Percent FDI in Insurance: What It Means for You — RTI Wiki] Quick Reply: India now allows up to 100 p… Show differences to current revisions , , , ,
Insurance Claim Rejection: IRDAI Ombudsman 2026 RBI Ombudsman as of 1 July 2026: Bank, certain NBFC, prepaid-instrument and credit-information complaints go un… Show differences to current revisions , , , , ,
Insurer Used a Vague Clause? Ambiguity Favours You [Insurer Used a Vague Clause? Ambiguity Favours You — RTI Wiki] Quick Reply: Insurer rejected your claim on… Show differences to current revisions , , , , , , , , , , , ,
Insurance Grace Period and Reviving a Lapsed Policy 2026 [Insurance Grace Period and Reviving a Lapsed Policy 2026 — RTI Wiki] Missing one life insurance prem… Show differences to current revisions , , , , , , , ,
Insurer Cannot Reject Claim for Post-Loss Defect [Insurer Cannot Reject Claim for a Defect Found After the Loss — RTI Wiki] Quick Reply: Supreme Court 2025: a… Show differences to current revisions , , , , , , , , , , , , , , ,
Insurer Cannot Reject Claim for Hiding Other Policies [Insurer Cannot Reject Claim for Hiding Other Policies — RTI Wiki] Quick Reply: A life insurer cannot re… Show differences to current revisions , , , , , , ,
IRDAI Bima Bharosa: Insurance Mis-Selling Refund [IRDAI Bima Bharosa - mis-selling complaint and refund guide 2026 — RTI Wiki] Quick Reply: If your policy is … Show differences to current revisions , , , , , , ,
IRDAI Cashless Rule: 1 Hour to Approve, 3 Hours to Discharge [IRDAI Cashless Rule: 1 Hour to Approve, 3 Hours to Discharge — RTI Wiki] Quick Reply: IRDAI rule… Show differences to current revisions , , , , , , , , , , , ,
Check Insurer Claim Settlement Ratio Before You Buy [Check Insurer Claim Settlement Ratio With IRDAI Data Before You Buy — RTI Wiki] Quick Reply: Before you b… Show differences to current revisions , , , , , , ,
IRDAI Insurance Fraud Monitoring Framework 2026 RBI Ombudsman as of 1 July 2026: Bank, certain NBFC, prepaid-instrument and credit-information complaints go un… Show differences to current revisions , , , , , , , , , ,
Senior Citizen Health Insurance Premium Hike Limit by IRDAI [Senior Citizen Health Insurance Premium Hike Limit by IRDAI — RTI Wiki] Quick Reply: IRDAI capped… Show differences to current revisions , , , , , , ,
How to Revive a Lapsed Life Insurance Policy in India 2026 [How to Revive a Lapsed Life Insurance Policy in India 2026 — RTI Wiki] Missed a premium and got a … Show differences to current revisions , , , , , , , , , ,
Health Insurance Late-Intimation Rejection: Is It Valid? [Late Intimation Health Insurance Claim Rejection: Is It Valid? — RTI Wiki] Quick Reply: Insurer reje… Show differences to current revisions , , , , , , ,
LIC Maturity or Death Claim Not Paid? Ladder 2026 [LIC maturity not paid or death claim repudiated: citizen ladder 2026 — RTI Wiki] Your 20-year endowment pol… Show differences to current revisions , , , , , , ,
Life Insurance Claim Rejected After Death: Nominee Guide [Nominee reviewing rejected life insurance death claim documents and filing complaint through Bima Bha… Show differences to current revisions , , , , , , ,
Life Insurance Surrender Value: New IRDAI Rules 2024 [Life Insurance Surrender Value: New IRDAI Rules 2024 — RTI Wiki] Quick Reply: Life insurance surrender v… Show differences to current revisions , , , , , , , , , , , , , , ,
Bank Added Insurance to Your Loan Without Asking? [Bank Added Insurance to Your Loan Without Asking? How to Cancel It, Get Refund, and Complain in India — RTI … Show differences to current revisions , , , , , , ,
Mediclaim Cannot Be Cut From Your MACT Award [Mediclaim Cannot Be Cut From Your MACT Award — RTI Wiki] Quick Reply: Supreme Court 2026 INSC 498: your mediclai… Show differences to current revisions , , , , , , , , , , , , ,
Mediclaim Rejected for Pre-Existing Disease [Mediclaim rejected for pre-existing disease (PED): citizen guide 2026 — RTI Wiki] If your health insurance claim … Show differences to current revisions , , , , , , ,
Motor Claim Rejected: IRDAI and MACT Guide 2026 [Motor insurance claim rejected: IRDAI + MACT recovery guide 2026 — RTI Wiki] Insurer slapped a rejection lett… Show differences to current revisions , , , , , ,
Motor Insurance IDV Dispute - citizen guide 2026 [Motor Insurance IDV Dispute - citizen guide 2026 — RTI Wiki] Your car is stolen, you file a claim, and the i… Show differences to current revisions , , , , , , , , , , , ,
Insurance Surveyor Cut My Motor Claim? What to Do [Insurance Surveyor Cut My Motor Claim? What to Do (India 2026) — RTI Wiki] On 2 April 2026, in Hyderabad, R… Show differences to current revisions , , , , , ,
PMJJBY or PMSBY Claim Rejected: Fix and Escalate [PMJJBY or PMSBY Claim Rejected or Stuck: How to Fix and Escalate It — RTI Wiki] Quick Reply: A PMJJBY or PMS… Show differences to current revisions , , , , , , ,
Burglary insurance claim closed without any explanation Quick Reply: Insurer closed your burglary claim with no reason given? IRDAI rules require a written, re… Show differences to current revisions , , , , , , , ,
Cashless Approved but Hospital Demands Extra Quick Reply: Cashless claim approved but the hospital wants extra cash at discharge? Sort the bill into three buck… Show differences to current revisions , , , , , , , , ,
Claim Approved but Payment Delayed: Get Interest Quick Reply: Insurance claim approved but money never credited? IRDAI 2024 rules add interest at bank rate plu… Show differences to current revisions , , , , , , ,
Job Change: Keep Health Cover and Waiting Credit Quick Reply: Switching jobs in India? Use IRDAI portability to carry your group cover to a retail policy, brid… Show differences to current revisions , , , , , , , , ,
Critical Illness Claim Rejected for Non-Disclosure Quick Reply: Critical illness claim repudiated for non-disclosure? Section 45 of the Insurance Act bars repu… Show differences to current revisions , , , , , , , , , , , , ,
Cyber Insurance Claim Rejected After Online Fraud? Quick Reply: Personal cyber insurance claim rejected after a phishing or UPI fraud? Find the exact clause, r… Show differences to current revisions , , , , , , , , , , , , ,
Diagnostic Bills Rejected by Your Insurer? Quick Reply: Insurer disallowed your scan or pathology bills? Match the rejection ground to the fix in this table, s… Show differences to current revisions , , , , , , , , , , , , ,
Group Health Insurance Claim Rejected After Leaving the Job Quick Reply: Group health claim rejected because you had left the job? It turns on one date. Learn … Show differences to current revisions , , , , , , ,
Group Term Insurance Claim Delayed After Employee Death If an employee has died and the family is waiting on a delayed group term life insurance claim, the pat… Show differences to current revisions , , , , , , ,
Health Claim Reopened Repeatedly: What to Do Next Quick Reply: India guide for health claim reopened repeatedly: 30-second answer, documents, escalation matrix… Show differences to current revisions , , , , , , , , , ,
Cashless Approval Delayed by TPA or Hospital? When the TPA goes silent or the hospital insurance desk shrugs, you do not have to sit and wait. This guide gives… Show differences to current revisions , , , , , , ,
Co-Pay, Sub-Limit and Non-Medical Deductions Your insurer settled only part of your hospital bill — citing co-pay, a disease sub-limit, or non-medical expenses… Show differences to current revisions , , , , , , ,
Health Insurance Portability Rejected or Delayed? You asked to move your health insurance to a new insurer, but the request was rejected or is stuck, and your … Show differences to current revisions , , , , , , ,
Portability Reset Your Waiting Period Wrongly? You ported your health insurance to a new insurer expecting your old years to count, but the new policy started … Show differences to current revisions , , , , , , ,
Health Claim Rejected for Pre-Existing Disease? Your health insurance company says your claim is rejected because of a pre-existing disease — either the waitin… Show differences to current revisions , , , , , , ,
Renewal Denied or Premium Loaded After a Claim? You made one hospital claim, and at renewal your insurer either refused to renew or quoted a sharply higher pre… Show differences to current revisions , , , , , , ,
Home Insurance Claim Rejected After Fire, Flood or Theft If your home or householder's insurance claim was rejected after a fire, flood, or theft, you are not … Show differences to current revisions , , , , , , ,
Insurance Desk not Processing Claim: What to Do Next Quick Reply: India guide for insurance desk not processing claim: 30-second answer, documents, escalation … Show differences to current revisions , , , , , , , , , , , ,
Premium Auto-Debited After You Cancelled? RBI Ombudsman as of 1 July 2026: Bank, certain NBFC, prepaid-instrument and credit-information complaints go under th… Show differences to current revisions , , , , , , ,
Insurer Portal Status not Updated: What to Do Next Quick Reply: India guide for insurer portal status not updated: 30-second answer, documents, escalation matr… Show differences to current revisions , , , , , , , , ,
Life Insurance Surrender Value Delayed: What to Do Next Quick Reply: India guide for life insurance surrender value delayed: 30-second answer, documents, escal… Show differences to current revisions , , , , , , , ,
Loan Protection Insurance Claim Rejected RBI Ombudsman as of 1 July 2026: Bank, certain NBFC, prepaid-instrument and credit-information complaints go under the… Show differences to current revisions , , , , , , ,
Mobile Insurance Claim Rejected: Screen, Liquid, Theft Your mobile phone is damaged or stolen, you filed a claim, and the insurer or retailer has rejected it. … Show differences to current revisions , , , , , , ,
Accident Claim Rejected for Missing FIR or Post-Mortem? If your personal accident insurance claim was rejected because an FIR, MLC, or post-mortem report is mi… Show differences to current revisions , , , , , , ,
Reimbursement Claim not Processed: What to Do Next RBI Ombudsman as of 1 July 2026: Bank, certain NBFC, prepaid-instrument and credit-information complaints go… Show differences to current revisions , , , , , , , , , , , ,
Surveyor Report not Shared: What to Do Next Quick Reply: India guide for surveyor report not shared: 30-second answer, documents, escalation matrix, complaint … Show differences to current revisions , , , , , , , , , , ,
Term Insurance Claim Investigation Delay If the insurer has put your family member's term insurance death claim under investigation, this guide walks you throu… Show differences to current revisions , , , , , , ,
Term insurance claim stuck in verification: a nominee's plan If a term insurance death claim is frozen at the verification or KYC stage, here is a calm weekend… Show differences to current revisions , , , , , , ,
TPA Grievance Unresolved: What to Do Next Quick Reply: India guide for tpa grievance unresolved: 30-second answer, documents, escalation matrix, complaint temp… Show differences to current revisions , , , , , , , , ,
Travel Insurance Claim Rejected? Fight Back Your travel insurer has rejected your claim. This guide walks you through the exact evidence each claim type needs,… Show differences to current revisions , , , , , , ,
Travel Insurance Medical Claim Dispute: What to Do Next This guide is for a person, family, small business or professional facing travel insurance medical clai… Show differences to current revisions , , , , , , , , , , , , , ,
ULIP Withdrawal Pending: What to Do Next This guide is for a person, family, small business or professional facing ulip withdrawal pending. It turns the proble… Show differences to current revisions , , , , , , , , , , , , , , ,
Pre-Existing Disease Claim Rejection: Your Reply [Patient family reviewing medical history for health insurance claim reply] Quick Reply: Insurer cited pre-ex… Show differences to current revisions , , , , , , ,
Proportionate Deduction in Health Insurance Explained [Proportionate Deduction in Health Insurance: Simple Explanation With Example — RTI Wiki] Quick Reply: W… Show differences to current revisions , , , , , , ,
Room Rent Limit: How It Cuts Your Health Claim [Room Rent Limit in Health Insurance: How It Reduces Your Claim — RTI Wiki] Quick Reply: Higher room rent cut a… Show differences to current revisions , , , , , , ,
RTI for Banking and Insurance Claim Delay (IRDAI / RBI) RBI Ombudsman as of 1 July 2026: Bank, certain NBFC, prepaid-instrument and credit-information complain… Show differences to current revisions , , , , , , , , , ,
How to File RTI Against a Private Company or Bank [How to File RTI Against a Private Company or Bank — RTI Wiki] Quick Reply: You cannot file RTI directly aga… Show differences to current revisions , , , , , , , , , , ,
TPA Denied Cashless Claim: Your Rights and Next Steps [TPA Denied Cashless Health Insurance Claim: Rights Against TPA and Insurer — RTI Wiki] Quick Reply: TPA… Show differences to current revisions , , , , , , ,
Vehicle Insurance Fraud: Spot Forged Policies [Vehicle Insurance Fraud India — Spotting Forged Policies (2026) — RTI Wiki] Quick Reply: Bought motor insurance… Show differences to current revisions , , , , , ,
Waiting Period Claim Rejection: What You Can Challenge [Waiting Period Claim Rejection in Health Insurance: What Can Be Challenged — RTI Wiki] Quick Reply: In… Show differences to current revisions , , , , , , ,
Weekend Hospital Bill Overcharging? Recovery [Weekend Hospital Bill Overcharging: Recovery, citizen guide 2026 — RTI Wiki] Quick Reply: Private hospitals infl… Show differences to current revisions , , , , , , ,
Which Regulator Do I Complain To? India Hub [Which Regulator Do I Complain To? India Complaint Routing Hub — RTI Wiki] Quick Reply: Confused which regulator h… Show differences to current revisions , , , , , , ,
Zero Depreciation Car Insurance: What Insurers Still Deduct [Zero Depreciation Car Insurance: What Insurers Still Deduct — RTI Wiki] Quick Reply: A zero depre… Show differences to current revisions , , , , , , ,