InsuranceHinglish1 min read
Insurance Claim Rejection - बीमा शिकायत कैसे करें
Insurance claim reject होने पर complaint कैसे करें - IRDA process
Category
Insurance
Updated
15 May 2026
Views
979
Quick Summary
Insurance complaints need policy wording, claim forms, rejection letters, and hospital or repair documents.
Complete Guide
Insurance claim reject हो गया? IRDA Ombudsman के through complaint करें। Ye guide insurance disputes के लिए है।
**Common Insurance Issues:**
- Claim rejection
- Delayed claim settlement
- Mis-selling of policies
- Premium disputes
- Policy cancellation issues
- Poor service quality
**Documents Needed:**
- Policy document
- Claim rejection letter
- Medical reports (health insurance)
- Communication with insurance company
- Premium payment receipts
**Process:**
- First approach insurance company
- Wait for 30 days
- Then file IRDA complaint
Step-by-Step Process
- 1Insurance company को written complaint भेजें
- 2Complaint acknowledgment लें
- 330 days wait करें company response के लिए
- 4IRDA Ombudsman portal पर जाएं
- 5Online complaint form भरें
- 6Policy details enter करें
- 7Rejection reason explain करें
- 8सभी documents upload करें
- 9Submit complaint
- 10Ombudsman decision wait करें (3 months)
Documents and Proof to Keep Ready
Policy document, proposal form, and premium receipt
Claim form, claim number, and insurer acknowledgement
Rejection letter, settlement offer, or delay communication
Medical bills, discharge summary, repair estimate, or survey report as applicable
Common Mistakes to Avoid
Not reading the rejection reason before drafting the complaint
Missing policy number, claim number, or insurer branch details
Filing with incomplete bills, reports, or claim correspondence
Escalation Path
- Stage 1Raise a written complaint with insurer grievance cell
- Stage 2Escalate to insurer grievance officer if unresolved
- Stage 3Approach IRDAI/Bima Bharosa or Insurance Ombudsman as applicable
Sample Complaint Draft
Subject: Insurance complaint regarding policy {{policy_number}} and claim {{claim_number}}
I hold policy number {{policy_number}} with {{insurer_name}}. I submitted claim number {{claim_number}} for {{claim_reason}} on {{claim_date}}. The claim was rejected/delayed/partly settled citing {{rejection_reason}}. I believe this is incorrect because {{brief_explanation}}. I am attaching policy copy, premium receipts, claim documents, and insurer communication. Please reconsider and settle the claim with written reasons.Related Keywords
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