A claim rejection occurs when an insurance company denies paying your claim amount, stating that it does not meet the policy’s terms and conditions. This means your request for coverage or settlement has not been accepted — either due to technical, procedural, or policy-related reasons.

Common reasons include:

• Incomplete or incorrect claim documents.
• Non-disclosure of pre-existing medical conditions or important facts.
• Policy lapse due to non-payment of premium.
• Claim filed after the allowed time limit.
• The event or reason not being covered under the policy.
• Mismatch or inconsistency in the information provided.

If your claim is rejected, don’t panic or give up.
 Reach out to Insurance Nidaan with your policy and rejection letter. Our experts will:

• Review your policy clauses and insurer’s response.
• Identify if the rejection is valid or unfair.

Guide you on the best way to appeal or reapply for claim approval.

Yes, in many cases a rejected claim can be reopened and approved after a proper review. If the rejection happened due to an oversight, missing documents, or misinterpretation, Insurance Nidaan can help you file a strong representation to the insurer or escalate it to the Insurance Ombudsman.

The timeline varies based on the case complexity and the insurer’s response, but typically ranges between 15 to 60 working days. Our team keeps you informed at every stage of the process.

Yes. In most cases, you can appeal within 30 days of receiving the rejection letter. However, depending on the situation, delayed appeals can still be considered. Insurance Nidaan helps ensure that your appeal is filed properly and within valid timeframes.

To avoid future claim rejections:

• Always disclose accurate and complete information.
• Read your policy terms carefully before buying.
• Keep your documents updated and premium payments on time.
• Inform your nominee about policy details.