Insurance advisory · Across India
Insurance advice.
Insurance advice.
With you at every step.
From understanding your policy to resolving a difficult claim, get clear guidance and practical support built around your concern.
Rejected claimsUnderstand the reason for a denial and the options for asking your insurer to review it.
How we can help
- Detailed clause-by-clause rebuttal of the insurer's repudiation notice
- Application of IRDAI's 60-month Moratorium Period shield & Supreme Court precedents
- Escalation to the insurer's Grievance Redressal Officer (GRO) and Insurance Ombudsman
Documents to keep ready
- Policy Copy
- Repudiation Letter
- Discharge Summary / Surveyor Report
- KYC
Delayed settlementsGet support when a claim is taking longer than expected or communication has stalled.
How we can help
- Time-bound formal notices citing mandatory 15-day / 30-day settlement rules
- Demand for statutory penal interest (Bank Rate + 2%) for unjustified delays
- Direct escalation on the IRDAI Bima Bharosa portal
Documents to keep ready
- Claim Intimation Proof
- Query Letters
- Submitted Document Checklist
Policy mis-sellingDiscuss concerns about how your policy was explained, sold, or renewed.
How we can help
- Collation of call recordings, illustrations, and digital trail of misrepresentation
- Representation for 100% premium refund or Single-Premium Policy conversion
- Specialized protection for senior-citizen policyholders deceived by agents/banks
Documents to keep ready
- Policy Bond
- Proposal Form
- Bank Statement
- Sales Communication / Recordings
Short settlementsReview deductions and understand the difference between the claim and the amount paid.
How we can help
- Line-by-line audit of the TPA Settlement Computation Sheet against your policy schedule
- Challenging uncommunicated sub-limits and wrongful proportionate deductions
- Pursuing the balance claim without jeopardizing the partial amount already received
Documents to keep ready
- Final Hospital/Repair Bill
- TPA Settlement Sheet
- Policy Wordings
Health insurance supportNavigate cashless treatment concerns, reimbursement paperwork, and hospital claim queries.
How we can help
- Assistance with medical necessity justifications from treating specialists
- Resolution of network and non-network ("Cashless Everywhere") hospital disputes
- End-to-end handling of pre- and post-hospitalization expense claims
Documents to keep ready
- Hospital Bills
- Prescriptions
- Indoor Case Papers (ICP)
- Cashless Denial Note
Ombudsman assistanceUnderstand the next step when your concern remains unresolved with your insurer.
How we can help
- Covers individual disputes up to ₹50 Lakhs with zero court fee
- Comprehensive drafting of written submissions, rejoinders, and evidence binders
- Tracking 30-day mandatory compliance once the Ombudsman award is passed
Documents to keep ready
- GRO Complaint Copy
- Insurer Final Reply (or 30-Day Elapsed Proof)
- Claim Dossier
Want to understand how we handle an enquiry?Explore our process
Policy classesCover for every
Cover for every
part of your life.
Find support for the cover you hold, from everyday protection to complex business risks.
01
Health & Medical
Hospital bills, cashless treatment, medical deductions, and reimbursement concerns.
02
Life & Term Cover
Life and term claims, policy exclusions, investigations, and rider-related concerns.
03
Motor & Fleet
Vehicle damage, total-loss assessments, depreciation, and fleet claim concerns.
04
Fire & Commercial Risk
Fire losses, stock assessments, machinery damage, and business insurance disputes.
05
Marine & Transit
Cargo damage, transit losses, port storage, and shipment-related claim concerns.
06
Travel & Critical Illness
Overseas medical claims, baggage losses, cancellations, and critical illness riders.