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How to respond to an insurer query
4 min read · Reviewed for general accuracy · Updated May 2026
A query isn't a rejection — it's a chance to keep your claim moving. Answer it precisely.
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Why queries happen
Insurers raise queries when something is missing or unclear — a document, a date, a medical detail. Left unanswered, queries can stall or eventually sink a claim.
Read exactly what's being asked
Answer the specific question, not a version of it. If they ask for a first-consultation paper, send that — not the discharge summary again.
Respond precisely and keep records
Reply in writing, attach what's asked, reference the claim number, and keep proof of submission. A clean paper trail helps if you later need to escalate.
Frequently asked
Facing this with your own claim?
Upload your policy and the insurer’s letter — Claim Saathi reads both, finds the exact clause, and helps you respond.
Analyze my claim →This article is general educational information, not legal, medical, or financial advice. Insurance rules and timelines change — verify current regulations before acting, and consult a qualified professional for your specific situation.