IRDAI Rules on Claim Rejection: Your Rights (2026)

Few things are more frustrating than having your insurance claim rejected. But IRDAI has strict rules.

Valid Reasons for Rejection:

• Non-disclosure of pre-existing conditions
• Waiting period not served
• Excluded conditions
• Lapsed policy
• Fraud

Invalid Reasons:

• Non-disclosure of unrelated conditions
• Late intimation with valid reason
• Minor documentation issues

What If Rejected?

1. Get rejection in writing
2. File grievance with insurers GRO
3. Escalate to IRDAI (igms.irdai.gov.in, 155255)
4. Approach Insurance Ombudsman
5. Consumer Court

Key IRDAI Protections:

• 30-day settlement deadline
• No rejection for non-material non-disclosure
• Portability rights
• 15-30 day free look period

Has your claim been rejected? Contact Insurance Support for expert assistance.