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Claim stuck for months with no decision
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 happened to the claim? No decision for a long time
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.
- Discharge summary, hospital bills, prescriptions, test reports — Supports the claim amount.
- Doctor's certificate on when the illness began — Answers pre-existing disease objections.
- 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 reason did they give?
- 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
- Car insurance rejected because of driving licence
- Car stolen and insurer is delaying
- Life insurance claim rejected after a death
- Claim rejected because I told them late
- Insurer says the treatment is not “reasonable and customary”
Sources
The full guide: Insurance claim rejected, delayed or underpaid · All situations