Introduction

Insurance is meant to provide security and peace of mind, not stress or confusion. Unfortunately, many people in India face misselling of insurance policies, where agents or companies sell policies through false promises, misleading information, or incomplete disclosure.

At Claim Bharosa, we help you understand your rights, recognize when you’ve been misled, and take proper action to recover your hard-earned money. Whether you are in Delhi, Noida, Gurugram, Ghaziabad, or anywhere in India, our experts guide you through the entire claim process with full transparency and support.

What is Misselling of Insurance Policy?

Misselling occurs when an insurance policy is sold by misrepresenting its features, benefits, or returns. It means the customer was not given correct or complete information before purchase.

Some common examples of misselling of insurance policies include:

• The agent promises the policy is “investment + insurance” but it’s actually a traditional life insurance plan.
• You are told that you can withdraw your money after 3 years, but the policy locks funds for 15 years.
• The benefits, premiums, or maturity amounts are exaggerated.
• Documents are filled without your consent or understanding.
• Policy sold to senior citizens or illiterate persons without explaining terms and conditions.

Such misselling practices lead to frustration and financial loss for customers.

How Misselling Happens in India

Insurance misselling is unfortunately common across Delhi NCR, Mumbai, Pune, Bangalore, and other parts of India. Agents and intermediaries sometimes chase commissions rather than customer satisfaction.

Here’s how it typically happens:

1. Cold Calls or Fake Investment Offers: You may receive a call offering “tax-free returns” or “limited-period investment plan.”
2. Hidden Clauses: Terms like policy term, surrender value, or lock-in period are not clearly explained.
3. Fake Promises: Customers are told their premium will double in a few years — which is false.
4. Forged Signatures: In some cases, agents fill forms without proper discussion.
5. Manipulative Marketing: Senior citizens or first-time policyholders are often targeted.

If any of this sounds familiar, you might be a victim of insurance policy misselling — and Claim Bharosa can help you fight back.

How to Identify Misselling of Insurance Policy

Before buying any insurance plan, it’s important to look out for warning signs.

✅ The agent is pushing you to buy quickly.
✅ You’re not given policy documents or brochures before payment.
✅ You don’t fully understand the product’s benefits, lock-in, or surrender rules.
✅ You’re promised unrealistic returns.
✅ You notice differences between what was said and what’s written in the policy.

If you’ve already purchased the policy and now realize something is wrong, don’t panic — there are clear steps you can take.

What To Do If You Are a Victim of Misselling

Here’s what Claim Bharosa recommends if you suspect misselling:

1. Collect All Documents: Keep copies of your proposal form, premium receipts, policy bond, and any messages or emails.
2. Contact the Insurer: Raise a written complaint with the insurance company first.
3. Approach IRDAI (Insurance Regulatory and Development Authority of India): If the insurer doesn’t respond within 15 days, file a complaint through IRDAI’s Grievance Redressal Portal (IGMS).
4. Contact Claim Bharosa: Our experts help you prepare documentation, file your complaint, and ensure your case is handled properly.
5. Consumer Forum or Ombudsman: For unresolved disputes, we help you take legal steps through the Insurance Ombudsman or Consumer Court.

Claim Bharosa – Your Trusted Partner for Insurance Justice

Claim Bharosa is a trusted name across Delhi, Noida, Gurugram, Faridabad, Ghaziabad, and other major Indian cities for handling insurance misselling complaints.

We specialize in:

• Insurance claim disputes
• Misselling cases
• Policy cancellation or refund assistance
• Claim rejection appeals
• Consumer court support

Our experienced legal and insurance professionals make sure every client gets fair treatment and rightful compensation.

With Claim Bharosa, you’re never alone in the fight against insurance fraud and misselling.

Why Choose Claim Bharosa?

✔ Free Consultation: Talk to our experts before taking any action.
✔ 100% Transparency: We explain every process step clearly.
✔ Fast Response: We value your time and aim for quick resolutions.
✔ Pan-India Service: Available in Delhi NCR, Mumbai, Pune, Jaipur, Lucknow, and beyond.
✔ Trusted by Thousands: Hundreds of successful recoveries from missold insurance cases.

We believe that awareness is your best protection — and Claim Bharosa ensures you get both justice and guidance.

Legal Remedies for Misselling of Insurance Policy

Under IRDAI regulations and Consumer Protection Act, you have legal rights if misled:

• Free-look period (15 days): Cancel your policy and get a refund if you realize it’s not as promised.
• Insurance Ombudsman: File a complaint for disputes up to ₹50 lakh.
• Consumer Court: For higher claims or continuous harassment by agents or insurers.
• Legal Notice & Refund Claim: Claim Bharosa helps prepare official notices and represent you professionally.

We help you take the right legal path to recover your policy value and stop future losses.

Conclusion

Misselling of Insurance Policy is a serious problem that affects millions of policyholders in India. If you’ve been misled, don’t ignore it — act fast with expert help.

At Claim Bharosa, we stand by your side to make sure you get what you were promised — your peace of mind and your money back.

📞 Contact Claim Bharosa today for a free consultation and professional guidance.
🌐 Visit: www.claimbharosa.com
📍 Serving clients across Delhi, Noida, Gurugram, Ghaziabad, Faridabad, and all over India.