Guides

Plain-English help, every figure sourced.

Escalation Insurance claim rejected? The free escalation path, step by step The free, step-by-step path when an insurer says no — insurer → IRDAI → Ombudsman. Life Section 45: when a life insurance claim cannot be questioned (the 3-year rule) When a life-insurance death claim can — and can't — be repudiated. Bank PMJJBY, PMSBY & deposit insurance: what bank-linked covers really pay What the low-cost covers your bank sells actually pay — and why these claims get denied. Health Claim short settled? Why the payout came in below the bill — and how to recover the difference Paid less than the bill? How to read the deduction sheet, which cuts are challengeable, and the free path to recover the difference. Health Before you buy a health policy: the 7 clauses that decide claims The clauses to read before you sign — room-rent caps, waiting periods, sub-limits, co-pay, exclusions — and why claims turn on them. Health Room-rent limit deductions: why your health claim paid less Why picking a costlier room can shrink your whole health claim — and the IRDAI norms that limit how far insurers can cut. Health Health insurance waiting periods & the 60-month moratorium Which claims a health policy can defer — initial, pre-existing and specific-illness waits — and the point after which it can't be contested at all. Health Cashless claim approval time: your 1-hour and 3-hour rights The turnaround times IRDAI now requires for cashless approval and discharge — and what to do if cashless is refused. Motor Car insurance claim paid less than the bill? Depreciation, deductible & NCB An own-damage motor claim is rarely the full repair bill. Here are the standard cuts — and the tariff rules behind them. Motor Car total loss claim: how IDV decides your payout After a severe accident or theft, your motor claim isn't about repair bills — it's about IDV. Here's how that number is set and when a total loss is declared.