Find the reason on your rejection letter.
Insurers reject claims on a small number of recurring grounds. Pick your kind of policy, find the one they cited, and read what they actually have to prove — and what usually defeats it.
26 guides, by the cover they are about
Health
Mediclaim and other health policies — pre-existing disease, waiting periods, cashless refusals and deductions.
- Pre-existing disease rejectionYour mediclaim was rejected for a “pre-existing disease.” You may be able to challenge it.Read the guide
- Waiting-period rejectionClaim rejected because the waiting period “wasn't over”? Check whether it really applies.Read the guide
- Cashless / TPA denialThe TPA denied cashless at the hospital. That is not the end of your claim.Read the guide
- Short settlement / deductionsYour health claim was only partly paid. Those deductions are challengeable.Read the guide
- 'Not a hospital' / under 24 hoursRejected as 'not a hospital', 'under 24 hours' or 'investigation only'? Read the definition — it binds the insurer too.Read the guide
- Portability / continuity disputeClaim rejected after porting your policy? Your waiting-period credit came with you.Read the guide
- Congenital-condition rejectionClaim rejected for a congenital condition? Read your policy wording, and check the waiting period.Read the guide
- “Experimental treatment” rejectionClaim rejected as “experimental treatment”? Established practice is not an experiment.Read the guide
Motor and property
Own-damage, engine and property claims — where the surveyor's assessment often sets the amount.
- Motor claim rejectedYour motor insurance claim was rejected. A breach has to actually cause the loss.Read the guide
- Engine water-damage rejectionEngine wrecked by water and the claim was rejected? It usually turns on one fact.Read the guide
- Commercial-use rejectionClaim rejected alleging “commercial use” of your private vehicle? The breach must connect to the loss.Read the guide
- Surveyor report disputeThe surveyor assessed less than your loss? The report is important — but not the final word.Read the guide
- Average-clause deductionPayout reduced for “underinsurance”? The average clause has to be applied correctly.Read the guide
Life and personal accident
Death claims, lapsed policies, and accident cover read too narrowly.
- Death claim repudiatedA life insurance death claim was repudiated. Section 45 may be on your side.Read the guide
- Policy-lapse rejectionClaim rejected because the policy “lapsed”? Check the grace period and the revival first.Read the guide
- “Not an accident” rejectionPersonal-accident claim rejected as “not an accident”? The word is read broadly.Read the guide
Any kind of policy
Grounds an insurer can raise on any policy — delay, documents, exclusions, a changed reason, an allegation of fraud.
- Exclusion disputeClaim rejected as “not covered”? An exclusion has to be clear — and it has to actually apply.Read the guide
- Claim delayedYour insurer is sitting on the claim. It is working against a clock.Read the guide
- Closed for documentsClaim “closed for non-submission of documents”? The insurer's demands have limits.Read the guide
- Late-intimation rejectionClaim rejected because you “informed the insurer late”? Delay alone is not a valid ground.Read the guide
- Insurer changed the reasonThe insurer keeps changing why it rejected your claim? It is generally bound by its first reason.Read the guide
- Fraud allegationClaim rejected as “fraudulent”? An allegation is not proof.Read the guide
- Full-and-final voucherYou signed a 'full and final' voucher for less than your claim. That may not be the end.Read the guide
- Multiple-policy disputeInsurer paying only “its share” because you have two policies? Check who really contributes.Read the guide
- Agent filled the formClaim rejected for 'wrong information' — but the agent filled your form? It depends on the facts.Read the guide
- Mis-sold policySold a policy that isn't what you were told? The route depends on one date.Read the guide
Not sure which reason applies?
Rejection letters often cite more than one ground, or word it vaguely. The free Claim Direction Check reads your situation and points you at the right route.
Last reviewed: 2026-10-26. This guide is general information about the insurance-grievance process in India, not legal advice, and figures (timelines, monetary limits, jurisdiction) can change — verify against the official sources linked above before you rely on them.