Indian Insurance Rights Hub
23 free guides for Indian policyholders. Every major claim dispute — health, motor, life, travel — grounded in IRDAI regulations and Indian case law.
Health Insurance
9 guidesHealth Insurance Claim Rejected?
Your rights under IRDAI regulations and the steps to take from rejection to Ombudsman.
Read guide →How to Appeal a Health Insurance Rejection
What to write, which regulation to cite, and template language for a winning appeal.
Read guide →Pre-Existing Disease Exclusions Explained
When PED exclusions are valid, the 8-year contestability limit, and how to challenge misuse.
Read guide →Cashless Claim Rejected?
The TPA must respond within 1 hour. Silence is deemed approval. Your rights under the 1-hour rule.
Read guide →Reimbursement Claim Rejected?
Insufficient documents, not medically necessary, or non-network hospital — when these grounds fail.
Read guide →Day Care Procedure Claim Rejected?
IRDAI recognises over 1,400 day care procedures. How to challenge a misclassified rejection.
Read guide →TPA Rejection — How to Challenge It
The TPA is the insurer's agent. TPA decisions are insurer decisions. Your rights explained.
Read guide →Group Health Insurance Claim Rejected?
The master policy governs, not the certificate. Pre-existing cover, TPA obligations, portability.
Read guide →Health Insurance Portability Rights
Switch insurer without losing your pre-existing disease waiting period credit.
Read guide →Motor Insurance
4 guidesMotor Insurance Claim Rejected?
Late intimation, licence issues, non-empanelled garage — when courts and the Ombudsman overturn these.
Read guide →Rejected for Late Intimation?
The Supreme Court requires the insurer to prove actual prejudice from delayed notification.
Read guide →Total Loss IDV Dispute
IDV is calculated on the manufacturer's listed price, not market value. How to spot and fix errors.
Read guide →Theft Claim Rejected?
Missing keys, delayed FIR, alleged negligence — when these grounds do and don't hold up.
Read guide →Life & Critical Illness
4 guidesLife Insurance Claim Rejected?
After 3 years, no policy can be questioned on any ground. Section 45 explained.
Read guide →Nominee Claim Rejected?
The insurer must pay the nominee. Family disputes and succession issues are not the insurer's concern.
Read guide →Term Insurance Claim Rejected?
Non-disclosure, suicide clause, occupation disputes — the insurer's burden of proof is high.
Read guide →Critical Illness Claim Rejected?
Survival period, definition disputes, and pre-existing arguments — what the insurer must prove.
Read guide →Travel Insurance
2 guidesClaims Process & Grievances
4 guidesHow to File with the Insurance Ombudsman
Free, binding on the insurer, covers claims up to ₹30 lakh. Step-by-step guide.
Read guide →How to File an IRDAI Complaint
IGMS vs Ombudsman vs Consumer Court — what each does and when to use which.
Read guide →Claim Rejected for Non-Disclosure?
The insurer must prove falsity, materiality, and intent to deceive — all three.
Read guide →Personal Accident Claim Rejected?
Intoxication, occupation hazard, disputed disability — when PAI rejections fail.
Read guide →Get a personalised analysis of your rejection
Upload your rejection letter and policy. AppealPilot identifies the specific regulation your insurer may have breached and drafts a targeted appeal letter.
Analyze my rejection →