Your insurance claim questions, answered

The insurer has refused to pay. Common reasons are a misunderstanding, missing documents, a policy exclusion, an allegation of non-disclosure, or a procedural error in the application or the claim.

Yes, in most cases. You can ask the insurer to reconsider, with more documents or an explanation, within its specified timeline. If the decision stands, you can escalate to IRDAI, the Insurance Ombudsman, the Consumer Commissions and the courts.

Health, life (death benefit), motor, travel, property and commercial claims can usually be appealed if the rejection is not valid under the policy terms and the regulations.

Non-disclosure of a pre-existing condition or other information; a lapsed or late-renewed policy; incomplete or inconsistent documents; treatment or damage not covered by the policy; late intimation of the claim; and disputes over valuation, surveyor reports or sub-limits.

It depends on the claim and how far it has to be escalated. Appeals settled with the insurer are usually the quickest; the Ombudsman and the Consumer Commissions take longer because of their own timelines and due process. We keep you updated throughout.

Not always at the start: a grievance with the insurer or a complaint to the Ombudsman can often be made without one, although an advocate's help makes a real difference. ClaimsKart brings in legal representation automatically when a case moves to a Consumer Commission or a higher court.

The Insurance Ombudsman is an independent authority that settles disputes between policyholders and insurers. You can usually approach the Ombudsman if your grievance is still unresolved 30 days after you filed it with the insurer.

Yes. ClaimsKart's AI-MIL engine reads the claim, cross-checks the policy wording against the insurer's stated reason, and flags inconsistencies far faster than a manual review. Our specialists verify every finding before we act on it.

AI-MIL stands for Agentic Intelligence combined with Medical, Insurance and Legal expertise.

The first claim assessment is free. If you decide to go ahead, there is a registration fee and a success-based fee, charged only when your claim is resolved. The pricing page has the details.

Fill in the free claim assessment form, or call us. We review your documents and tell you honestly whether your claim has strong grounds for appeal.