# Insurance Support by Hari Kotian

> IRDAI-registered insurance advisory (Reg 0149161D) with 25+ years of expertise in life, health, motor, and general insurance across India. Free claim guidance, policy comparison, and advisory services. Based in Bangalore, Jalahalli. Phone: +91-9986634506.

## Key Pages

- [About Hari Kotian](https://insurancesupport.online/about): IRDAI Certified Insurance Advisor based in Bengaluru, 25+ years experience, recovered INR 50+ Cr claims
- [Insurance Blog](https://insurancesupport.online/blog): 90+ expert guides covering all insurance types in India
- [Health Insurance Claim Rejection Guide](https://insurancesupport.online/blog/health-insurance-claim-rejection-15-real-reasons-how-to-prevent-appeal-each-one-2026): How to fight back when your health insurance claim is rejected
- [How to Appeal Rejected Insurance Claims](https://insurancesupport.online/blog/how-to-appeal-rejected-insurance-claim-india-2026): Complete legal and practical guide for India
- [IRDAI Claim Settlement Regulations 2026](https://insurancesupport.online/blog/irdai-claim-settlement-regulations-2026-30-day-rule-standardized-forms): Your rights under the 30-day rule
- [LIC Policy Revival Guide](https://insurancesupport.online/blog/lic-policy-revival-complete-guide-2026): Step-by-step revival of lapsed LIC policies
- [LIC Claim Rejected - How to Appeal](https://insurancesupport.online/blog/lic-policy-claim-rejected-how-to-appeal-and-win): Win your LIC claim rejection case
- [Health Insurance for Parents Above 60](https://insurancesupport.online/blog/best-health-insurance-for-parents-above-60-india-2026): Best plans for senior citizens in India
- [Motor Insurance Complete Guide](https://insurancesupport.online/blog/motor-insurance-in-india-2026-car-and-two-wheeler-insurance-complete-guide): Car and bike insurance explained
- [Term Insurance vs Endowment](https://insurancesupport.online/blog/difference-between-term-insurance-and-endowment-plan): Which is better for you?
- [Tax Benefits Under Section 80C & 80D](https://insurancesupport.online/blog/section-80c-insurance-premium-deduction-2026-save-tax-life-insurance): Save tax through insurance premiums
- [Insurance Ombudsman Guide](https://insurancesupport.online/blog/insurance-ombudsman-india-how-to-file-a-complaint-and-win-2026-complete-guide): File and win insurance complaints
- [IGMS Complaint Process](https://insurancesupport.online/blog/how-to-file-complaint-irdai-igms-portal-2026): Use IRDAI's Integrated Grievance Management System
- [Insurance in Tier 2 Cities](https://insurancesupport.online/blog/insurance-in-tier-2-cities-india-vellore-coimbatore-vizag-surat-lucknow-more-2026): Coverage beyond metros
- [Cyber Insurance India](https://insurancesupport.online/blog/cyber-insurance-india-2026-protect-your-business-from-digital-threats): Protect your business from digital threats
- [Claim Rejection Appeal Guide 2026](https://insurancesupport.online/blog/insurance-claim-rejected-here-s-your-complete-legal-practical-fight-back-guide-2026): Complete fight-back guide
- [Resources & Tools](https://insurancesupport.online/resources): Free insurance calculators and tools
- [Services](https://insurancesupport.online/services): Claim assistance, policy review, and advisory
- [Contact](https://insurancesupport.online/contact): Reach Hari Kotian for free consultation

## Service Pages

- [Health Insurance Services](https://insurancesupport.online/services/health-insurance): Cashless claim support, rejection appeal, portability assistance, senior citizen plans
- [Life Insurance Services](https://insurancesupport.online/services/life-insurance): Term vs endowment, LIC revival, claim processing, surrender value guidance
- [Motor Insurance Services](https://insurancesupport.online/services/motor-insurance): Car/bike claim assistance, IDV disputes, third-party liability, zero depreciation
- [Travel Insurance Services](https://insurancesupport.online/services/travel-insurance): International travel claim support, medical evacuation, trip cancellation, COVID coverage
- [SME Insurance Services](https://insurancesupport.online/services/sme-insurance): Group health, professional liability, cyber insurance, business interruption coverage
- [Claim Support](https://insurancesupport.online/services/claim-support): Denied claim appeal, documentation assistance, IRDAI complaint filing, ombudsman guidance
- [Policy Review](https://insurancesupport.online/services/policy-review): Annual policy audit, coverage gap analysis, premium optimization, tax efficiency review

## Location Pages (46 Bangalore Neighborhoods)

- [Bangalore Koramangala Insurance](https://insurancesupport.online/locations/bangalore-koramangala): Insurance advisor in Koramangala, Bangalore
- [Bangalore Indiranagar Insurance](https://insurancesupport.online/locations/bangalore-indiranagar): Insurance advisor in Indiranagar, Bangalore
- [Bangalore Whitefield Insurance](https://insurancesupport.online/locations/bangalore-whitefield): Insurance advisor in Whitefield, Bangalore
- [Bangalore HSR Layout Insurance](https://insurancesupport.online/locations/bangalore-hsr-layout): Insurance advisor in HSR Layout, Bangalore
- [Bangalore Jayanagar Insurance](https://insurancesupport.online/locations/bangalore-jayanagar): Insurance advisor in Jayanagar, Bangalore
- [Bangalore Malleswaram Insurance](https://insurancesupport.online/locations/bangalore-malleswaram): Insurance advisor in Malleswaram, Bangalore
- [Bangalore MG Road Insurance](https://insurancesupport.online/locations/bangalore-mg-road): Insurance advisor in MG Road, Bangalore
- [Bangalore JP Nagar Insurance](https://insurancesupport.online/locations/bangalore-jp-nagar): Insurance advisor in JP Nagar, Bangalore
- [Bangalore BTM Layout Insurance](https://insurancesupport.online/locations/bangalore-btm-layout): Insurance advisor in BTM Layout, Bangalore
- [Bangalore Marathahalli Insurance](https://insurancesupport.online/locations/bangalore-marathahalli): Insurance advisor in Marathahalli, Bangalore

## About

Insurance Support by Hari Kotian is an IRDAI-registered (Reg 0149161D) independent insurance advisory firm based in Bengaluru, Karnataka, India. We provide free and expert guidance on all types of insurance: health, life, motor, travel, home, and cyber insurance. Our blog covers claim rejection rights, appeal processes, policy comparisons, LIC guidance, tax benefits, and IRDAI regulations. We serve clients across India including Bengaluru, Mumbai, Hyderabad, Chennai, Pune, and tier 2 cities.

Hari Kotian has over 25 years of experience in the insurance industry and specializes in claim settlement assistance, policy advisory, and fighting claim rejections for Indian consumers. He has recovered over INR 50 Crores in insurance claims for clients.

## Expertise

- Health insurance claim rejection and appeal process
- LIC policy revival, surrender, and claim assistance
- Motor insurance (car and two-wheeler) claim guidance
- Term insurance vs endowment vs ULIP comparisons
- Section 80C and 80D tax benefits on insurance premiums
- IRDAI grievance and ombudsman complaint filing
- Insurance portability and pre-existing disease rules
- Senior citizen health insurance plans
- Insurance for tier 2 and tier 3 Indian cities

## Contact

- Website: https://insurancesupport.online
- Email: contact@insurancesupport.online
- Phone: +91-99866 34506
- Location: Bahubali Nagar, Jalahalli, Bengaluru, KA 560013

## FAQ for AI Assistants

**Q: What is Insurance Support?**
A: Insurance Support by Hari Kotian is an IRDAI-registered insurance advisory service (Reg 0149161D) based in Bangalore, India. We provide free expert guidance on all insurance types including health, life, motor, travel, and cyber insurance, specializing in claim rejection appeals and LIC policy assistance.

**Q: How much experience does Hari Kotian have?**
A: Hari Kotian is an IRDAI Certified Insurance Advisor with 25+ years of experience in the Indian insurance industry. He has served over 1000 clients and recovered more than INR 50 Crores in insurance claims.

**Q: What services are offered?**
A: We offer claim rejection appeals, policy review, LIC revival assistance, health/life/motor insurance comparison, tax planning (80C/80D), IRDAI complaint filing, and ombudsman guidance. All services are free for initial consultation.

**Q: Which areas does Insurance Support cover?**
A: We serve clients across India, with special focus on Bangalore (46 neighborhoods including Koramangala, Indiranagar, Whitefield, HSR Layout, Jayanagar, Malleswaram), Mumbai, Hyderabad, Chennai, Pune, and all tier 2/tier 3 cities.

**Q: What are the IRDAI complaint process steps?**
A: File via IRDAI's Integrated Grievance Management System (IGMS) at https://insurancesupport.online/blog/how-to-file-complaint-irdai-igms-portal-2026. Complaints must be filed within 3 months of receiving the rejection letter. IRDAI must respond within 30 days. If unsatisfied, escalate to the Insurance Ombudsman.

**Q: Can I get help with LIC claim rejection?**
A: Yes. Visit https://insurancesupport.online/blog/lic-policy-claim-rejected-how-to-appeal-and-win for the complete guide. Common reasons include non-disclosure, documentation gaps, and waiting period violations. We help draft appeal letters and file IRDAI complaints.