Your rights
Insurance Ombudsman in India: Powers, Limits and Complaints They Cannot Take
The Insurance Ombudsman is an official set up by the government to settle disputes with insurance companies, free of charge. Their award is binding on the insurer. But their powers…
Insurance Claim Settlement Time Limit: How Many Days?
IRDAI rules put a clock on your insurer. A life insurance death claim must be settled within 15 days (45 days if it needs an investigation). A health claim that…
Free Look Period in Insurance: How to Cancel a Life or Health Policy in 30 Days and Get a Refund
When your life or health policy arrives and you don’t like what the terms say, you can cancel it and get your premium back, as long as you act within…
Insurance Claim Rejected? What to Do and How to Complain, Step by Step
If your insurer rejects your claim, pays only part of it, or simply does not reply to your complaint, you have a free way to fight back. You complain to…
