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Claim rejected because I told them late
What usually matters in this situation, and the papers to keep ready before you meet an advocate or free legal aid (call 15100).
Make my own list — free, 2 minutesYour situation
- What reason did they give? Claim made late
Papers to gather
- Policy document with schedule, terms and all renewal certificates
The wording decides most disputes. Where: Insurer portal, email. - Claim form and acknowledgement with date
Answers "late claim" objections. Where: Your records.
You may also need, depending on your answers
- Proposal form (application) — ask the insurer for a copy — Central to non-disclosure rejections.
- Rejection / settlement letter with reasons — What you must answer.
- Discharge summary, hospital bills, prescriptions, test reports — Supports the claim amount.
- FIR/accident report, survey report, repair estimate and invoices, photos — Supports a motor claim.
- Driving licence, RC and permit valid on the accident date — Answers licence objections.
- Death certificate, medical records of last illness, nominee ID — Needed for life claims.
- Grievance complaint and insurer's reply — Needed for Ombudsman.
- File a written grievance with the insurer and keep the reference — First step before Ombudsman.
- Renewal and portability records showing continuous cover — Limits non-disclosure rejections after long cover.
What the law says
Complain first to the insurer's grievance officer. If not resolved, you can approach the Insurance Ombudsman (free) or a consumer commission. IRDAI rules set timelines for claim decisions.
General information, not legal advice.
Saboot will also ask
- What kind of insurance?
- What happened to the claim?
- Have you complained to the insurer's grievance cell in writing?
Similar situations
- Health insurance rejected my claim for a pre-existing disease
- Hospital says cashless not approved
- Insurer paid much less than my hospital bill
- Claim stuck for months with no decision
- Car insurance rejected because of driving licence
- Car stolen and insurer is delaying
- Life insurance claim rejected after a death
- Insurer says the treatment is not “reasonable and customary”
Sources
The full guide: Insurance claim rejected, delayed or underpaid · All situations