Free claim review
Claim rejected, cut or stuck?
Many rejected and short-paid claims can be challenged, if you know which clause was applied and how to respond. Our advisors bring 35+ years of experience with how insurers assess claims.
- Free review of your rejection or settlement letter
- We explain exactly why it was cut, in plain words
- Help drafting your reply and escalation
- Guidance on the insurer's grievance cell, Bima Bharosa and the Ombudsman
A licensed family team in JaipurPolicyBench advisors are licensed, with 35+ years of combined experience. We earn your trust by getting your cover right, not by pushing a plan.
Why claims get cut
The reasons we see most often
Non-disclosure
A past condition not mentioned in the proposal form, even something minor.
Room-rent proportionate deduction
A room above the cap reduces every other bill in proportion.
Waiting period not over
Treatment for a condition still inside its waiting period.
Missing documents
Claims closed for incomplete paperwork that could have been sent.
Consumables and sub-limits
Items and procedures the policy caps or excludes.
Motor: depreciation and survey
Parts depreciation, licence or usage disputes in the surveyor's report.
FAQs
Questions people ask
Can a rejected claim really be reversed?
Not always, but often. Claims are frequently rejected or cut over documentation gaps, misread clauses or disclosure questions that can be clarified. We'll tell you honestly whether your case is worth pursuing.
Do you charge for the claim review?
The first review of your case is free.
My policy wasn't bought through you. Can you still help?
Yes. It doesn't matter where or from whom you bought it.
What documents should I keep ready?
The policy copy, the rejection or settlement letter, hospital bills and discharge summary (for health), or the survey report (for motor).
Need help with a claim right now?
WhatsApp us a photo of the rejection letter. An advisor will call you.