Reduce Claim Rejection

Non-disclosure and fraud have very different legal standards under Section 45. Courts require proof of knowledge for one and intent to deceive for the other.

The 3-year contestability clock under Section 45 resets to zero if your policy lapses and is revived. Adding a rider starts a separate clock. Know when your protection begins.

Section 45 bars insurers from questioning your policy after 3 years “on any ground whatsoever.” But does that include fraud? The statute, the court rulings, and the gaps.

Your family buys term insurance expecting that if the worst happens, the claim will be paid without hassle. In most cases, it is. Industry-wide claim settlement ratios in India are above 98%. But the remaining 1-2% of claims that get delayed, disputed, or denied are often caused by issues that were completely preventable. These are … Read more

Imagine your loved ones facing not only the grief of your loss but also the financial uncertainty due to complications in receiving your life insurance payout. Designating a nominee doesn’t always guarantee a smooth claim process. This article covers the common pitfalls and legal complexities that can cause nominee confusion, potentially delaying or even denying … Read more

Non-recognised hospitals can void your claim even when treatment is genuine. Always check NABH accreditation before admission. Disease misclassification by insurers can trigger exclusions you didn’t expect. Understand your policy’s exclusion list. Lapsed policies from missed premiums kill claims silently. Always confirm ECS/auto-debit payments are credited. Document errors like wrong hospital names or … Read more