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Understand how Indian insurance claims actually work

Plain-language guides to rejections, policy terms, and the escalation process — written for policyholders, not insurers.

Claim rejections
What to do if your health insurance claim is rejected
A rejection isn't the end of the road. Here's how to read the letter, test the reason, and respond properly.
6 min read →
Claim rejections
What is a pre-existing disease (PED)?
PED is one of the most common rejection grounds — and one of the most contested. Here's what it actually means.
5 min read →
Policy basics
What is a waiting period?
The time you must hold a policy before certain claims are payable. There's more than one kind.
4 min read →
Policy basics
What is co-pay?
The share of an approved claim you pay yourself. It quietly reduces what you receive.
3 min read →
Policy basics
What is a room rent limit?
A cap on your daily room charge — and a trap that can shrink your whole claim, not just the room bill.
4 min read →
How-to guides
How to file a reimbursement claim
When cashless isn't available, you pay first and claim back. Here's how to do it cleanly.
5 min read →
How-to guides
How to respond to an insurer query
A query isn't a rejection — it's a chance to keep your claim moving. Answer it precisely.
4 min read →
Escalation
How to escalate an insurance complaint
If the insurer won't resolve it, India has an official escalation ladder. Here are the rungs.
6 min read →
How-to guides
How to prepare motor claim documents
Motor claims hinge on the right paperwork. Here's the core set and the situational extras.
4 min read →
Policy basics
How to read your policy schedule
The schedule is the one page that defines your cover. Learn the fields that decide claims.
5 min read →