Guides
Fight a rejected claim,
step by step.
Plain-English guides built from IRDAI’s current rules and the Insurance Ombudsman Rules.
Health insurance claim rejected? Here’s what to do next.
Your health insurance or mediclaim claim was rejected or cut. The IRDAI rules that protect you, the deadlines, and the exact steps from grievance letter to the Insurance Ombudsman.
Read the guide →How to complain to the Insurance Ombudsman.
Who can file, when you are eligible, the 1-year limit, the ₹50 lakh limit on what it can award, the documents to attach, and how to file online at cioins.co.in. Free and step by step.
Read the guide →Rejected for a pre-existing disease or waiting period?
What counts as a pre-existing disease, the 36-month caps on waiting periods, how ported cover counts, the 60-month moratorium and the accident exception. Check if your rejection holds up.
Read the guide →Claim rejected for “non-disclosure”?
When an insurer can and can’t reject a health claim for non-disclosure: the proposal form test, the 60-month moratorium, the claims review committee and what evidence matters.
Read the guide →Room-rent cuts and proportionate deductions.
How room-rent limits and proportionate deductions work in Indian health insurance after the 2024 changes, what still binds insurers, and how to challenge an unfair partial settlement.
Read the guide →We’re on your side
of the claim.
Insurers have claim teams. Now you have the rules, the facts and the next step, in about a minute.