Everything You Need to Know Before You File or Fight a Claim
We’re a consultancy that helps people fight unfairly denied, delayed, or underpaid insurance claims. Our experts assess whether your rejection was justified—and if not, we work to get you what you rightfully deserve.
We assist with claims across major categories:
- Health Insurance
- Motor (Car/Bike) Insurance
- Life Insurance
- General Insurance (Home, Travel, etc.)
- SME Insurance (Fire, Theft, Machinery Breakdown, etc.)
Mis-selling happens when agents mislead you, such as:
- Hiding key policy exclusions
- Selling you the wrong policy for commission
- Making false promises (like “100% claim approval”)
- Not explaining waiting periods or exclusions
Common reasons include:
- Non-disclosure of medical history or habits
- Policy lapse due to missed premiums
- Exclusions in policy terms
- Incomplete or incorrect documentation
Yes, especially if they weren’t declared during policy purchase. Conditions like diabetes or heart disease can lead to delays or rejections.
Absolutely. If you were underpaid, we can help reopen your case and pursue the balance amount.
Review your document for:
- Wrong personal info (name, age)
- Missing promised benefits or riders
- Incorrect sum insured or policy term
Typically between 2 to 6 months, depending on case complexity.
- Pre-hospitalization: Medical expenses before hospital admission
- Post-hospitalization: Follow-up and recovery costs after discharge
Yes. It leads to higher premiums and possible claim denial if not disclosed.
Yes. Generally:
- 30 days for new illnesses
- 2–4 years for pre-existing diseases
You can still file a reimbursement claim. Just:
- Inform the insurer within 24–48 hours
- Pay upfront and submit bills later
You can seek a refund or compensation if an agent/bank misled you into buying a policy under false promises.
No. Everything is handled online or over the phone—unless a court visit is required (very rare).
Only if explicitly mentioned in your policy. Most standard policies don’t cover alternative treatments.
Yes—usually within 5 years, with additional charges. We can assist in negotiating revival terms.
- Cashless: Hospital bills paid directly by the insurer (network hospitals only)
- Reimbursement: You pay first, claim later
Only if the treatment occurred while the policy was still active.
It’s an extra 15–30 days after your due date to pay the premium without losing coverage.
Yes, if:
- NRI status wasn’t disclosed
- Treatment was done abroad (without global coverage)
It’s when your insurer recovers claim money from the person at fault in an accident.
Use your dashboard on our website. We also send updates via SMS/email. For quick help, call or WhatsApp our support team.
No. We charge a ₹2,000 processing fee (incl. GST) only after we review and accept your case. This covers documentation and admin work.
We charge 20% of the recovered amount (incl. GST)—only if we win your case. No recovery = No fee.