Collect the complete policy and proposal record
Keep the policy schedule, wording, endorsements, proposal form, declarations, premium receipts and renewal history. Advertising summaries and agent messages can be relevant, but they do not replace the issued contract.
Build the event and claim file
Gather the claim form, medical, accident, repair, survey, police, travel or other event records, invoices and proof of submission. Create a chronology from the event through each request and response.
Analyse the written reason
Obtain the rejection, deduction or closure decision in writing and identify the clause, alleged non-disclosure, exclusion or evidence relied on. Compare it with the documents instead of responding only that the result is unfair.
Use the insurer grievance process
Submit a focused complaint through the insurer’s official grievance channel and retain the reference and response. IRDAI’s Bima Bharosa system provides an official route for registering and tracking insurance grievances.
Check ombudsman, consumer and other remedies
The Insurance Ombudsman, consumer process, court or another remedy may be relevant depending on eligibility, amount, policy and dispute. An insurance dispute lawyer can check the current rules, limitation and best forum.
Key takeaways
- Keep the policy and proposal form
- Create a claim chronology
- Obtain the exact rejection reason
- Use the official grievance channel
- Check eligibility and deadlines for escalation
Official sources
This is general information, not legal advice. Laws, procedures and deadlines vary by location and circumstances. Sources and procedures should be checked for later updates.
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