Health & mediclaim rejections
Pre-existing disease exclusions, non-disclosure allegations, room-rent capping and cashless denials at network hospitals.
Pan-India claim assistance · IRDAI & Ombudsman process
Your claim was rejected.That is not the final word.
ClaimCare helps Indian policyholders challenge rejected, delayed and underpaid insurance claims — with clause-level policy analysis, airtight documentation and escalation up to the Insurance Ombudsman.
No fee for the first review · Documents handled confidentially · Response in 24 hours
What we handle
Every kind of claim dispute Indian policyholders run into
Motor claim disputes
Total loss undervaluation, surveyor deductions, driving-licence objections and own-damage repudiations.
Life & term claim repudiation
Death claims rejected within the contestability window on grounds of alleged suppression of material facts.
Home, fire & property
Flood, fire and burglary claims underpaid on depreciation, average clause or documentation gaps.
Travel & personal accident
Trip cancellation, baggage, overseas hospitalisation and disability benefit claims stuck in review.
Delayed & partially paid claims
Files pending beyond IRDAI turnaround norms, silent TPAs and settlements far below the admissible amount.
How it works
From rejection letter to resolution, in five steps
01
Free case review
Email your rejection letter and policy copy. We revert within 24 hours with an honest view.
02
Policy & ground analysis
We read the wording clause by clause and identify where the insurer's reasoning fails.
03
Documentation & representation
Medical records, treating-doctor certificates and a structured representation to the grievance officer.
04
Escalation
IRDAI Bima Bharosa complaint and, where required, a full Insurance Ombudsman filing on your behalf.
05
Resolution & follow-up
We track every hearing and reminder until the settlement lands in your account.
Insurers & regulators
We know how each insurer's grievance desk works
Our team has taken up matters against most major Indian insurers and TPAs. We use the official route every time: the insurer's grievance redressal officer, the IRDAI Bima Bharosa portal, and the Insurance Ombudsman under the Insurance Ombudsman Rules, 2017.
IRDAI Bima Bharosa grievance filing support
Insurance Ombudsman representation drafting
Consumer forum documentation, where warranted
Insurer names are listed only to describe the matters we assist with. No affiliation, partnership or endorsement is implied.
Star Health
HDFC ERGO
LIC of India
ICICI Lombard
Niva Bupa
New India Assurance
Bajaj Allianz
Care Health
SBI General
Tata AIG
Oriental Insurance
Max Life
Case outcomes
Policyholders who were told no — and did not stop there
"The insurer said my angioplasty was a pre-existing condition after four years of clean renewals. ClaimCare pulled my old records, drafted the representation, and the amount was credited before the Ombudsman hearing."
Rakesh Agarwal
Jaipur, Rajasthan
Mediclaim rejected as pre-existing
₹4.6 lakh settled
"After my husband's death the claim was repudiated for non-disclosure. I had given up. Their team handled the Ombudsman filing end to end and explained every step in simple language."
Sunita Deshmukh
Nagpur, Maharashtra
Term life claim repudiated
₹50 lakh released
"The surveyor's IDV was far below market. They challenged the deductions with valuation evidence and the insurer revised the settlement in six weeks."
Imran Qureshi
Hyderabad, Telangana
Motor total loss undervalued
₹2.1 lakh extra
Names changed on request. Past outcomes do not predict the result of your claim.
Common questions
Straight answers, no fine print
Free case review
Send us the rejection letter. We will tell you where you stand.
Share your policy and rejection details and our case team responds within 24 hours with the grounds we can challenge and the realistic route ahead.
+91 63724 94722Mon–Sat, 9 AM – 8 PM ISTEmail us your casecontact@claimcare.in · Attach documents to your mail
ClaimCare provides professional claim assistance and support services. We do not guarantee claim approval or act as an insurance company. Not affiliated with IRDAI or any insurance provider. Read the full disclaimer.