Claim Rejection Recovery Experts
Has your insurance claim been rejected? We've helped thousands of families recover their rightful claims. Free consultation, no obligation.
Hari Kotian
IRDAI Certified Advisor - 25+ Years
Expert Insurance Advisory — Trusted in Bengaluru Since 1998
As an independent IRDAI-certified insurance advisor (Reg. No: 0149161D) serving families across Bengaluru and Karnataka for 25+ years, I cut through the jargon to find plans that actually get claims approved. Unlike online portals that push whichever policy pays the highest commission, I work purely for your family's financial security — and when claims get rejected, I fight to recover what's yours.
Specialisation areas: Term Insurance | Health Insurance | Claim Recovery | Policy Review
Insurance Premium Calculator
Get an instant estimate for your insurance needs. Select your policy type and fill in the details below.
Recent Claim Recoveries
Real cases handled by Hari KotianIRDAI Certified
Reg. No: 0149161D — Government authorized advisor
25+ Years Experience
Helping families since 1998 across India
₹50 Cr+ Recovered
Claim rejection recovery expertise
Trusted by 1000+ families across Bengaluru & India
Life Insurance
Protect your family's future with comprehensive life plans. Term, endowment, ULIP options.
Health Insurance
Cashless hospitalization, pre-existing coverage, senior citizen plans, family floater options.
Term Insurance
Highest coverage at lowest premiums. Secure your family's future with ₹1 Cr+ cover.
Motor Insurance
Car & bike insurance — comprehensive, third-party, zero depreciation add-ons, NCB protection.
Claim Recovery
Rejected claims overturned. 95% success rate. LIC, health, motor — we fight for your money.
Policy Review
Free audit of your existing portfolio. Identify gaps, overpayment, and better options.
Portal vs. Advisor: Where Do You Go When a Claim Fails?
Aggregator portals compare prices well. But when your claim gets rejected — they can't fight for you. Here's the real difference.
Online Aggregator Portal
- ✗
Chatbots & call centers. You're ticket #48291. No one remembers your name.
- ✗
No claim help. Their job ends when you buy. Rejected claim? You're on your own.
- ✗
Generic recommendations. Algorithms rank by commission, not your family's actual risk profile.
- ✗
Zero accountability. A faceless platform — no one to call, no one to blame, no one to fight for you.
Hari Kotian — IRDAI Certified Advisor
- ✓
A real person. 25+ years in insurance. You talk to Hari directly, not a bot.
- ✓
Claim fighter. Rejected claim? We appeal, escalate to IRDAI, and recover ₹50Cr+ for families.
- ✓
Tailored advice. Every policy recommendation is matched to your family, health, and budget — not an algorithm.
- ✓
Lifetime support. Same advisor from purchase to claim to renewal. 1000+ families served, 4.2★ rated.
Strategic Protection for Your Family
Over 25 years of independent expertise, providing tailored insurance solutions to navigate complex claims and secure your legacy.
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
Dedicated expert assistance to recover even the most complex rejected claims.
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
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.