Insurance Claim: Paid insurance premium for years, but got rejected after making claim? what would be the reason..

Insurance Claim: For future security, we take the help of an insurance policy. Insurance policy: Having insurance can be of great help in times of trouble, but sometimes it also happens that you are not able to make an insurance claim when needed. The claim is getting rejected. You apply for an insurance claim, but it gets rejected, or the process does not move forward, and on top of that, complaints are not being heard anywhere, what option do you have? Insurance regulator Insurance Regulatory and Development Authority of India (IRDAI) has given you many options in view of such problems, which we are telling you here. But we will also tell you what could be the reason behind your insurance claim being rejected.

Reasons for rejection of insurance claim
There can be many reasons for an insurance claim. You did not fill in the correct details while taking insurance. You did not fulfill the conditions of the policy. Or you did not disclose pre-existing health problems and did not give correct information about habits like alcohol and smoking. Or you did not give correct information about your business. Apart from this, depending on the type of insurance you have, you must be asking for a claim under the right conditions, only then your claim will be accepted.

What to do if you do not receive an insurance claim?
First of all, you have to go to the grievance redressal office of the insurance company. If your claim is not being processed or has been rejected, then you will first have to go to the Grievance Redressal Officer or Grievance Redressal Officer of the insurance company. According to the rules of the insurance regulator Insurance Regulatory and Development Authority of India (IRDAI), every insurance company should have its own grievance redressal officer.

IRDAI has made rules
If your problem is not solved at the level of the insurance company. A complaint can be made to IRDAI. If your grievance is not heard within the next 15 days, you can complain to the Grievance Redressal Cell of the Consumer Department of IRDAI by emailing complaints@irdai.gov.in. IRDAI also has a toll-free number – 1800 4254 732 – where you can call.

Can complain to the Insurance Ombudsman
You can also take your complaint to the Insurance Ombudsman. Many Insurance Ombudsman have been appointed at different places across the country. You just have to check where the Insurance Ombudsman sits in your city. You will get this information at your insurance company's branch or website. You can fill out Form P-II and Form P-III by visiting the office of the Insurance Ombudsman. Keep in mind that you will have to mail the complaint and send its hard copy to the Lokpal office by speed post.

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