Settled Lower Than Expected? You May Be Owed More.

Most policyholders accept the first cheque the insurer offers. That is a mistake. Insurers routinely deduct items as 'consumables', 'non-payable expenses', or 'non-medical expenses' even where the policy clearly covers them.

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, the cut is recoverable.

Step three is to send a partial-settlement grievance citing each unjustified deduction. The insurer has 15 days to respond. If they do not, escalate to the Ombudsman.

BimaHaq's Claim Recovery Assistance is built for this. We typically recover 60–90% of the disputed deduction across a few weeks of focused effort.