From rejection to resolution
Claim appeals are usually confusing. We built our process to take the confusion out. This is exactly what happens when you bring us a rejected, delayed or short-settled claim.
Upload your documents
Share your policy document, claim form and the insurer's rejection or settlement letter. It takes a few minutes and costs nothing.
Expert and AI validation
Our AI-MIL engine cross-checks your policy wording, claim data and the stated reason for rejection against IRDAI regulations and known claim-handling patterns. Insurance, medical and legal specialists then review its findings to confirm whether your case has genuine grounds for appeal.
Claim representation
If your case qualifies, we draft a formal appeal and represent you: first with the insurer's own grievance cell and, if it stays unresolved, before IRDAI's Bima Bharosa system, the Insurance Ombudsman, the Consumer Commissions or, in exceptional cases, the Supreme Court of India.
Regular updates
Every update, document request and hearing date is shared with you as it happens, so you are never left wondering what is going on with your case.
Claim settled
Once the claim is approved, the insurer processes the settlement and pays you directly. Our job is done only when the money is in your account.
The escalation path we use
We start with the insurer and go only as far as your claim needs. The legal process can be slow, but a genuine claim deserves to be heard at every level.
01Insurer grievance cell
A formal written grievance, within IRDAI-mandated timelines.
02Legal notice to the insurer
A legally drafted notice citing the relevant clauses and IRDAI guidelines.
03IRDAI Bima Bharosa
A complaint on the regulator's grievance system.
04Insurance Ombudsman
If the grievance is unresolved after 30 days, with full hearing representation.
05Jurisdictional courts
Filing and representation for local disputes.
06District Consumer Commission
Filing and representation for local consumer disputes.
07State Consumer Commission
For higher-value claims and appeals.
08National Commission (NCDRC)
For complex, high-value, national-level disputes.
09Supreme Court of India
With Advocates-on-Record and Senior Counsel, where a matter needs the highest court.
Advisor. Agent. Advocate.
Three roles we play for every client.
Advisor
We tell you honestly whether your claim has merit.
Agent
We manage the documents and every exchange with your insurer.
Advocate
We represent you formally before regulators, the Ombudsman and the courts.
Don't let a wrongful rejection cost you what's yours.
Denied outright, delayed for months or settled for far less than you're owed: we'll tell you where you stand, free of charge.