Settled Lower Than Expected? You May Be Owed More.
An under-settlement is easy to miss. Audit it before you accept it.
Do not accept a reduced settlement without checking it. Insurers deduct items as 'consumables', 'non-payable expenses', or 'non-medical expenses' — check each one against what your policy covers.
Step one is to demand an itemised deduction sheet. Insurers must provide it in writing. The vague 'deducted as per policy' line is not enough.
Step two is to cross-check each deduction against your policy. Look for the exact clause that justifies the cut. If you cannot find one, contest the cut.
Step three is to send a partial-settlement grievance citing each unjustified deduction. The insurer must acknowledge it immediately and resolve it within 14 days. If they do not, escalate to the Ombudsman.
BimaHaq is built for this. Our Claim Strategy Note (₹999) audits the deduction sheet clause by clause, and our Bima Bharosa Filing service (₹999) prepares the IRDAI grievance and guides you step by step as you register it on the portal.
Frequently asked questions
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