Insurance Guides & Insights
Expert guides, claim tips, and insurance insights from Hari Kotian, IRDAI certified advisor with 25+ years experience.
67 expert articles published
IRDAI Complete Guide for Indian Policyholders (2026)
The IRDAI complete guide for Indian policyholders: what IRDAI regulates, how it protects policyholders, claim and grievance channels, and where to check official information.
Start here
Core Insurance Guides
Three in-depth guides explain the main decisions and next steps. Each links to focused resources for a particular policy or claim situation.
Health Insurance in India
Compare cover, understand policy terms, use cashless and reimbursement claims, and review portability.
Read the guide →Insurance Claim Recovery
Build a clear claim file, challenge a decision, and understand insurer and external grievance routes.
Read the guide →LIC Policies and Claims
Understand policy types, servicing, missed premiums, maturity, and death claim steps.
Read the guide →Expert Claim Recovery Guides
Step-by-step claim recovery playbooks from 25+ years of hands-on experience — written from the policyholder side of the desk.
Cashless Health Insurance Claim Denied at Hospital?
Get the written reason, check what can be clarified, and understand reimbursement and grievance steps.
LIC · GuideLIC Death Claim Rejected or Delayed?
Forms 3783/3801, documents, deadlines, and the nominee escalation ladder.
Motor · GuideMotor Claim Denied? Dispute the Surveyor
Get the surveyor report, rebut depreciation heads, win the IDV battle.
Health · GuideHealth Claim Rejected? Appeal Guide
Grievance → Bima Bharosa → Ombudsman, with document checklist.
LIC · GuideLIC Claim Rejection Letter: How to Respond
The written reply structure that gets repudiations reopened.
Escalation · GuideInsurance Ombudsman: Complete Filing Guide
Eligibility, documents, and how to prepare a complaint.
Health · GuideHealth Portability Rejected or Delayed?
The 45-day rule, the 15-day decision window, and how to fight a loading.
Mis-selling · GuideMis-Sold a Policy? Get Your Money Back
Free-look cancellation, evidence that holds, and the refund playbook.
Travel · GuideTravel Claim Denied Abroad?
Medical exclusions, baggage PIRs, and recovering the claim from overseas.
Health · GuideGroup Policy Claim Problems
Why employer cover denies claims — and the exit trap when you change jobs.
Claims · GuideNominee vs Legal Heirs: Who Gets the Money?
What the 2022 amendment actually changed, and ending the family fight.
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