Find the reason on your rejection letter.

Pre-existing disease rejection

Your mediclaim was rejected for a “pre-existing disease.” You can often challenge it.

Waiting-period rejection

Claim rejected because the waiting period “wasn't over”? Check whether it really applies.

Exclusion dispute

Claim rejected as “not covered”? An exclusion has to be clear — and it has to actually apply.

Cashless / TPA denial

The TPA denied cashless at the hospital. That is not the end of your claim.

Death claim repudiated

A life insurance death claim was repudiated. Section 45 may be on your side.

Motor claim rejected

Your motor insurance claim was rejected. A breach has to actually cause the loss.

Short settlement / deductions

Your health claim was only partly paid. Those deductions are challengeable.

Claim delayed

Your insurer is sitting on the claim. It is working against a clock.

Engine water-damage rejection

Engine wrecked by water and the claim was rejected? It usually turns on one fact.

Full-and-final voucher

You signed a 'full and final' voucher for less than your claim. That may not be the end.

Insurer changed the reason

The insurer keeps changing why it rejected your claim? It is generally bound by its first reason.

Surveyor report dispute

The surveyor assessed less than your loss? The report is important — but not the final word.

Agent filled the form

Claim rejected for 'wrong information' — but the agent filled your form? It depends on the facts.

Fraud allegation

Claim rejected as “fraudulent”? An allegation is not proof.

“Experimental treatment” rejection

Claim rejected as “experimental treatment”? Established practice is not an experiment.

Congenital-condition rejection

Claim rejected for a “congenital condition”? The exact wording decides it.

Policy-lapse rejection

Claim rejected because the policy “lapsed”? Check the grace period and the revival first.

Late-intimation rejection

Claim rejected because you “informed the insurer late”? Delay alone is not a valid ground.

Closed for documents

Claim “closed for non-submission of documents”? The insurer's demands have limits.

Average-clause deduction

Payout reduced for “underinsurance”? The average clause has to be applied correctly.

Multiple-policy dispute

Insurer paying only “its share” because you have two policies? Check who really contributes.

Portability / continuity dispute

Claim rejected after porting your policy? Your waiting-period credit came with you.

“Not an accident” rejection

Personal-accident claim rejected as “not an accident”? The word is read broadly.

Commercial-use rejection

Claim rejected alleging “commercial use” of your private vehicle? The breach must connect to the loss.