Plain-language guides to claims, renewals, waiting periods, exclusions and lost policy documents, with official resources.
Renewals and policy terms
- Renewing an insurance policyGrace periods, keeping your benefits and what to check before you renew.
- Policy exclusions: what insurance does not coverWhere to find exclusions in a policy and how to read them.
- Waiting periods in health insuranceInitial, pre-existing disease and specific illness waiting periods, and how continuity helps.
- Lost or missing policy documentsGetting a duplicate policy and making a claim when the papers cannot be found.
Claims and complaints
- How to make a health insurance claimCashless or reimbursement: which route to take and what happens at each step.
- Cashless health claimsHow cashless treatment is approved at a network hospital, and the time limits.
- Reimbursement health claimsPaying the hospital first and claiming the money back: documents and time limits.
- How to make a life insurance claimDeath claims by the nominee: documents, steps and the time the insurer has to decide.
- How to make a motor insurance claimOwn-damage, theft and third-party claims: reporting, survey and settlement.
- Claim rejected? Complaints and the Insurance OmbudsmanHow to challenge a rejection or short payment: insurer, IRDAI's Bima Bharosa and the Ombudsman.