Claims · Insurance
A life, health or motor insurance claim rejected, delayed or underpaid in India — challenge it through the insurer, the Insurance Ombudsman or a consumer commission.
Tell us the policy type and why the claim was refused.
In short
Start with the insurer’s grievance process. If it is not resolved, a complaint can go to the Insurance Ombudsman, or to a consumer commission. Under Section 45 of the Insurance Act, a life policy cannot be questioned on any ground after three years from its date.
Common situations
Disputes NRIs raise.
Death claim refused or delayed.
Hospital bills not reimbursed.
Vehicle damage claim rejected.
Insurer claims facts were hidden.
No decision for months.
Only part of the claim paid.
Your options
Escalate in the right order.
Written complaint to the grievance officer.
Free forum for policyholder complaints within its limits.
For deficiency in service.
Registering grievances with the regulator’s system.
For complex or large claims.
Negotiated resolution.
The law
Insurance law and consumer law.
Step by step
From abroad
Grievances and Ombudsman complaints can be filed online.
Foreign death certificates need attestation or apostille.
A representative can follow up locally.
Some forums allow hearings by video.
Act within the forum’s time limits.
Save every email and letter.
Avoid these
FAQs
Yes, online and through a representative.
A free forum for policyholder complaints, within monetary and other limits.
Not on any ground after three years from the policy date, under Section 45.
It is an option for deficiency in service; take advice on the best forum.
Related
Compensation after a road accident.
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Claims against hospitals and doctors.
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Defective goods and services.
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Help filing and following up insurance claims.
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For records and pensions.
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The full category.
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Speak to a lawyer in India by phone or video about your insurance claim.
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The information provided is for general educational purposes only and does not constitute legal advice. Applicable laws and procedures may vary depending on the facts, jurisdiction, and circumstances of each matter. Consult a qualified legal professional before taking action. Last reviewed: November 2026.
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