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When a life insurance claim is denied, families deserve answers.

Losing someone is hard enough. When the claim meant to give the family security is rejected or delayed, it adds an unfair burden at the worst time. ClaimsKart works with nominees and beneficiaries to find out why the claim was repudiated, and challenges it where the rejection isn't justified.

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Life insurance · Death claim

₹25,00,000

Status: reversed

  1. Repudiation received

    “Smoking habit not disclosed”

    12 Jan

  2. AI-MIL review

    Nothing in the medical records supports it

    14 Jan

  3. Grievance filed with insurer

    With the proposal form and records

    17 Jan

  4. Insurance Ombudsman

    Hearing after 30 days unresolved

    26 Feb

  5. Settlement credited

    Paid in full to the nominee

    08 Apr

Illustrative example, not a real case.

Why life claims get rejected

These are the reasons insurers give most often. Many don't survive a careful reading of the policy.

  • Alleged non-disclosure of health, habits or occupation when the policy was bought
  • Death within the early years of the policy, which draws extra scrutiny
  • Suicide-clause disputes
  • Policy lapse or unpaid premium
  • Discrepancies in nominee details or documents
  • Disputes over the cause of death

How ClaimsKart helps

  • Repudiation review

    We assess whether the insurer's non-disclosure claim is factually and medically supportable.

  • Document support

    We help nominees gather the medical records, statements and evidence an appeal needs.

  • Ombudsman and legal escalation

    For wrongly denied or high-value claims, we represent you before the Ombudsman, Consumer Commissions or higher courts.

  • A careful, guided process

    We know this is a painful claim to pursue, and we handle every case with that in mind.

If the insurer won't move, we escalate.

Your claim can go up through every redressal forum in India. We tell you at each step whether going further is worth it.

+91 70907 00771WhatsApp usMon–Sat, 9 am – 7 pm IST

  1. 01Insurer grievance cell

    A formal written grievance, within IRDAI-mandated timelines.

  2. 02Legal notice to the insurer

    A legally drafted notice citing the relevant clauses and IRDAI guidelines.

  3. 03IRDAI Bima Bharosa

    A complaint on the regulator's grievance system.

  4. 04Insurance Ombudsman

    If the grievance is unresolved after 30 days, with full hearing representation.

  5. 05Jurisdictional courts

    Filing and representation for local disputes.

  6. 06District Consumer Commission

    Filing and representation for local consumer disputes.

  7. 07State Consumer Commission

    For higher-value claims and appeals.

  8. 08National Commission (NCDRC)

    For complex, high-value, national-level disputes.

  9. 09Supreme Court of India

    With Advocates-on-Record and Senior Counsel, where a matter needs the highest court.

Other claims we handle

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.

Get my free assessment+91 70907 00771