You can be sold an insurance policy wrongfully in many ways. Let us take a look at some of them:

• Promising interest-free loan on a mortgage or insurance plan.
• The promise of free health insurance.
• Insurance sold as a fixed deposit in a bank.

There are many reasons why your insurance claim can get rejected, such as a delay in Health Claim Reimbursement, insurance policy exclusions, PED not disclosed, etc. It is important to avoid any such insurance claim rejection scenarios.

A claim can be delayed due to pre-existing conditions, especially if the insurance company needs to review the policyholder's medical history or obtain additional information from the healthcare provider.

Yes, a short-settled claim may be re-submitted for payment.

Access the 'Know Your Policy' feature on our mobile application "Polifyx" to upload your complete policy document and identify any errors or inconsistencies that could result in claim rejections or delays in the future.

We help you represent your case with the Insurance Company, IRDA (Insurance Regulatory and Development Authority), Insurance Ombudsman (Bima Lokpal), and consumer court, depending on the case.

Once we successfully resolve your insurance complaint, we charge a success fee of 10% to 15% of the amount received (plus GST)./p>

Any insurance-related matter problem totally depends on the case. So, it is advisable to be patient.

Generally expenses 30 days before the hospitalization and 60-90 days post discharge from the hospital are covered in the medical policy. We help apply your reimbursement at a nominal cost of INR 99 taking away the hassles of filling and submitting the claim forms.

It is essential to disclose your smoking or alcohol consumption habits while purchasing insurance as it would be unethical to withhold this information and may result in claim rejection.

Typically, there's a waiting period of 30 days from the insurance policy's start date.