30-Day Free Look Period
Aap unsatisfied hone pe policy receive ke 15-30 din ke bheetar cancel kar sakte hain. Stamp duty aur proportionate risk premium ghata kar full refund.
Moratorium Period (5 Years)
5 saal continuous policy ke baad, non-disclosure ke liye koi claim reject nahi kiya ja sakta (fraud ko chodke). Yeh 2025 mein 8 saal se ghataaya gaya hai.
Portability Right
Aap accrued benefits (waiting period, no claim bonus) khoye bina insurer badal sakte hain. Naya insurer existing conditions ke liye fresh waiting period nahi laga sakta.
Claim Settlement Timeline
Insurers ko sabhi documents receive ke 30 din ke bheetar claims settle karne chahiye. Cashless pre-auth 1 ghante mein, discharge 3 ghante mein (IRDAI mandate).
Grievance Redressal
Har insurer ke paas internal ombudsman hai. Aap IRDAI Bima Bharosa portal ya Insurance Ombudsman (free, ₹50 lakh tak ke claims) tak escalate kar sakte hain.
Nomination & Assignment
Aap beneficiaries nominate kar sakte hain. Assignment policy ownership transfer ki anumati deta hai. Dono IRDAI regulations ke tahat aapke legal rights hain.
Step-by-Step: Rejected Claim Ki Appeal Kaise Karein
Agar aapka insurance claim reject ya unreasonably delay hota hai toh in steps ko follow karein.
Insurer Grievance Cell Se Contact Karein
Pehle insurer ke internal grievance redressal officer paas complaint darj karein. Zyadaatar issues 15 din mein yahan sulajh jaate hain.
Insurer ki website pe "Grievance Redressal" mein dhoondhein
IRDAI Bima Bharosa Portal Pe Escalate Karein
Unsatisfied ho toh IRDAI ke centralized portal pe complaint darj karein. Insurers ko 15 din mein respond karna chahiye.
https://bimabharosa.irda.gov.in | Toll-free: 1800-258-1111
Insurance Ombudsman Se Contact Karein
₹50 lakh tak ke claims ke liye, Insurance Ombudsman ke paas complaint darj kar sakte hain (free service). Award insurer pe binding hai.
12 offices across India. Nearest IRDAI website pe dhoondhein.
Consumer Court / Legal Action
Agar ombudsman fail ho ya claim ₹50 lakh se zyada ho, toh District/State/National Consumer Disputes Redressal Commission se contact karein.
Legal assistance zaroori ho sakti hai; sab correspondence document karein.
Madad Kahan Se Paayein?
https://bimabharosa.irda.gov.in
1800-258-1111
IRDAI website pe nearest office dhoondhein
Yeh information general awareness ke liye hai aur IRDAI regulations (2025-26) pe based hai. Specific legal advice ke liye, professional se consult karein ya directly IRDAI se contact karein.
Last updated: May 2026.