What should I do if my insurance claim is rejected?
If your insurance claim is rejected, ask the insurer for the written decision and the policy clause it relied on. Compare that reason with your policy, submit any missing evidence, and use the insurer’s grievance channel if needed. Escalation options depend on the policy, facts, and applicable deadlines; claim support cannot guarantee reversal.
See how Insurance Support can help with a claim →Insurance guidance and claim support in Bengaluru
Insurance Support is led by Hari Kotian and provides insurance guidance and claim assistance from Bengaluru. We help people understand policy terms, organize relevant documents, and follow up with insurers. Each claim is decided by the insurer under the policy terms and available evidence.
IRDAI registration number: 0149161D. Specialisation areas: term insurance, health insurance, claim support, and policy review.
Insurance Premium Calculator
Get an instant estimate for your insurance needs. Select your policy type and fill in the details below.
Claim Process Guidance
Guidance on policy terms and insurer processes
Policy Guidance
Understand coverage, exclusions, and documents
Claim Assistance
Help organizing documents and insurer follow-up
Based in Jalahalli, Bengaluru, Karnataka
Life InsuranceExplore →
Protect your family's future with comprehensive life plans. Term, endowment, ULIP options.
Health InsuranceExplore →
Cashless hospitalization, pre-existing coverage, senior citizen plans, family floater options.
Term InsuranceExplore →
Highest coverage at lowest premiums. Secure your family's future with ₹1 Cr+ cover.
Motor InsuranceExplore →
Car & bike insurance — comprehensive, third-party, zero depreciation add-ons, NCB protection.
Claim SupportExplore →
Help reviewing claim decisions, organizing documents, and understanding insurer grievance options.
Policy ReviewExplore →
Free audit of your existing portfolio. Identify gaps, overpayment, and better options.
Online portal or insurance advisor: what support do you need?
Online platforms and individual advisors provide different kinds of support. Compare the services available and choose the help that fits your situation.
Online Insurance Portal
- ✗
Self-service tools. Portals can help compare products, view policy information, or contact an insurer. Features vary by provider.
- ✗
Insurer processes. The insurer assesses claims under the policy terms. Check which support channels are available for your policy.
- ✗
Product information. Review coverage, exclusions, limits, and service details before choosing a policy.
- ✗
Support varies. Contact the portal or insurer to confirm what assistance it offers before and after purchase.
Hari Kotian — Insurance Advisor
- ✓
Personal consultation. Discuss your policy questions and support needs with Hari Kotian.
- ✓
Claim assistance. We can help organize documents, review the insurer’s written explanation, and understand grievance options. The insurer or relevant complaint forum decides the case.
- ✓
Policy review. Discuss coverage, exclusions, and options in light of your circumstances.
- ✓
Claim assistance. Get help organizing documents and understanding possible insurer follow-up routes.
Strategic Protection for Your Family
Insurance guidance and claim assistance to help you understand policy terms, organize records, and review possible next steps.
Strategic Advisory
Tailored plans to meet your specific financial goals and risk profile.
Legacy Planning
Ensure your wealth and assets are passed down to your family exactly as planned.
Claim Support
Help organizing claim records and understanding available grievance routes.
What Our Clients Say
Real stories from families we've helped protect and recover.
“Hari Kotian helped me recover a rejected claim of ₹8 Lakhs. His team handled everything — from documentation to follow-ups with the insurer. Absolutely professional!”
Rajesh Kumar
Bengaluru
How It Works
Getting expert insurance support is simple and stress-free.
Free Consultation
Call or book online for a no-obligation discussion of your needs.
Expert Analysis
We review your questions, policy documents, and possible next steps.
Take Action
We help organize relevant documents and explain insurer follow-up options.
Get Results
We explain follow-up options and coordinate with the insurer; the insurer decides the claim under the policy terms.
Free insurance claim checklists and policy tools
Find a claim rejection checklist, health claim document guide, complaint toolkit, or term insurance review checklist.
Expert Insurance Insights
Health Insurance Claim Rejection: 15 Real Reasons & How to Prevent
Discover the most common reasons health insurance claims get rejected in India and learn practical strategies to prevent and appeal each one.
Don't let a small mistake ruin your claim.
Join thousands of subscribers getting weekly tips on navigating complex insurance claims and avoiding rejections.
- Insider claim settlement tactics
- Alerts on IRDAI rule changes
- Free downloadable checklists
Claim Rejection Quiz
Answer a few quick questions to assess your claim appeal potential.
Frequently Asked Questions
Get answers to the most common questions about insurance planning and our services.
How much does insurance cost and what affects the premium?
Premiums vary by coverage, sum assured, age, health, occupation, and location. Since 22 September 2025, GST has been exempt on individual life insurance and individual health insurance policies, including family floaters and senior-citizen policies. Group policies and other insurance products may be treated differently, so check the insurer's current quote.
See the GST Council FAQ for the government’s explanation of the exemption.
How do I know which insurance is best for my family and needs?
The best insurance depends on your family size, age, income, existing assets, health conditions, and goals. For health coverage, choose between individual and family floater plans based on budget. Motor insurance should include third-party liability and suitable own-damage coverage. We provide personalized guidance based on your situation.
What documents are needed for insurance claims and the process?
Common documents include the claim form, policy document, medical records and bills for health claims, FIR and survey report for some motor claims, and a death certificate for life claims. Requirements vary by policy and claim. We can help organize documents and follow up; the insurer makes the claim decision under the policy terms.
Can you help with existing policy review and switching insurers?
Yes. We can review your policy terms, coverage gaps, and potential alternatives. Switching may affect waiting-period credits, exclusions, or other benefits, so compare the terms carefully before replacing existing cover.
What is the difference between term insurance and whole life insurance?
Term insurance provides coverage for a specified period, usually at a lower premium. Whole-life insurance can provide lifelong coverage and may include a cash value element, depending on the product. Compare policy terms and suitability before deciding.
What should I do if my insurance claim is rejected?
If your insurance claim is rejected, ask the insurer for the written decision and the policy clause it relied on. Compare that reason with your policy, submit any missing evidence, and use the insurer’s grievance channel if needed. Escalation options depend on the policy, facts, and applicable deadlines; claim support cannot guarantee reversal.
What can I do about a delayed insurance claim?
For a delayed claim, keep the claim reference, submission receipts, and insurer or TPA replies. Ask the insurer’s grievance redressal officer for a written status and next step. If the issue remains unresolved, check the current IRDAI complaint and Insurance Ombudsman routes, including their eligibility and time limits, before filing.
For current regulatory grievance guidance, see IRDAI Bima Bharosa.
What is the Insurance Ombudsman?
The Insurance Ombudsman is an external forum for eligible insurance policyholder complaints. First use the insurer’s grievance process and keep its written response and your supporting documents. Eligibility, jurisdiction, and filing time limits depend on current rules and the case, so check the Council for Insurance Ombudsmen guidance before submitting a complaint.
See the Council for Insurance Ombudsmen complaint procedure for current eligibility and filing steps.