How We Recover 50+ Crores in Rejected Claims
Every rejected claim has a story. Read how we helped real families in Bangalore get their rightful insurance payouts — and how we can help you.
Featured Case Studies
Our most impactful claim recoveries
42 Lakh LIC Claim Recovery for Retired Teacher in Malleshwaram
A retired school teacher's LIC health claim was rejected within 7 days of submission, citing non-disclosure of diabetes. The policy had been in force for 8 years. We analyzed the rejection letter, submitted additional medical records from 3 different hospitals spanning 3 years, and demonstrated that the diabetes was a known but controlled condition, not newly developed. The claim was approved in full within 42 days.
Getting 18 Lakh Health Claim Approved After 365-Day Delay
A small business owner's 18.5 lakh health claim for his father's cardiac surgery was stuck in document verification for 365 days. Max Bupa requested the same documents 4 times. We filed an IRDAI IGMS complaint, escalated to the Ombudsman, and got the full amount plus 8 percent interest within 14 days.
Motor Theft Claim: 12 Lakh Recovered After Insurer Cited 'Negligence'
A software engineer's car was stolen from his apartment complex parking in Whitefield. ICICI Lombard rejected the claim citing negligence — claiming the car was left in an 'unsecured area' despite the complex having CCTV and security guards. We gathered the FIR filed within 4 hours, the complex's security audit report, and CCTV footage showing the theft. The claim was approved in full within 28 days.
Total Loss Motor Claim: 9.5 Lakh Settled After IDV Dispute
After Bangalore's July 2024 floods, a Koramangala resident's car was completely submerged. The surveyor declared it a total loss (repair cost > 75% IDV). Bajaj Allianz offered only 60% of IDV, claiming 'partial damage'. We contested with the surveyor's own report, IRDAI Motor Tariff guidelines, and got full IDV within 35 days.
Cashless Denial at Network Hospital: 6.2 Lakh Reimbursement Secured
A family was admitted at a Care Health network hospital in Indiranagar. The hospital submitted pre-authorization for emergency surgery. Care Health denied it citing 'not medically necessary' — despite the treating surgeon's written recommendation. The family paid 6.2 lakh out of pocket. We filed for reimbursement with the surgeon's detailed justification and got full payout within 21 days.
Term Insurance Death Claim: 1 Crore Recovered via Ombudsman
A family's 1 crore term insurance claim was rejected after the policyholder's death. The insurer claimed the deceased had a smoking habit not disclosed in the proposal form 8 years earlier. We proved the medical exam at policy inception showed no nicotine traces, and the insurer's own underwriting accepted the risk. The Ombudsman ordered full payout with 9% interest within 90 days.
LIC Policy Revived After 4 Years Lapse: 28 Lakh Sum Assured Restored
A BTM Layout resident's LIC Jeevan Anand policy lapsed 4 years ago due to financial hardship. The policy had 28 lakh sum assured and significant bonus accrued. We used LIC's Special Revival Scheme (available once per policy) which shifts the commencement date — no medical exam needed for lapses up to 3 years, but we got an exception. Full policy restored in 30 days.
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42 Lakh LIC Claim Recovery for Retired Teacher in Malleshwaram
A retired school teacher's LIC health claim was rejected within 7 days of submission, citing non-disclosure of diabetes. The policy had been in force for 8 years. We analyzed the rejection letter, submitted additional medical records from 3 different hospitals spanning 3 years, and demonstrated that the diabetes was a known but controlled condition, not newly developed. The claim was approved in full within 42 days.
Getting 18 Lakh Health Claim Approved After 365-Day Delay
A small business owner's 18.5 lakh health claim for his father's cardiac surgery was stuck in document verification for 365 days. Max Bupa requested the same documents 4 times. We filed an IRDAI IGMS complaint, escalated to the Ombudsman, and got the full amount plus 8 percent interest within 14 days.
Motor Theft Claim: 12 Lakh Recovered After Insurer Cited 'Negligence'
A software engineer's car was stolen from his apartment complex parking in Whitefield. ICICI Lombard rejected the claim citing negligence — claiming the car was left in an 'unsecured area' despite the complex having CCTV and security guards. We gathered the FIR filed within 4 hours, the complex's security audit report, and CCTV footage showing the theft. The claim was approved in full within 28 days.
Total Loss Motor Claim: 9.5 Lakh Settled After IDV Dispute
After Bangalore's July 2024 floods, a Koramangala resident's car was completely submerged. The surveyor declared it a total loss (repair cost > 75% IDV). Bajaj Allianz offered only 60% of IDV, claiming 'partial damage'. We contested with the surveyor's own report, IRDAI Motor Tariff guidelines, and got full IDV within 35 days.
Cashless Denial at Network Hospital: 6.2 Lakh Reimbursement Secured
A family was admitted at a Care Health network hospital in Indiranagar. The hospital submitted pre-authorization for emergency surgery. Care Health denied it citing 'not medically necessary' — despite the treating surgeon's written recommendation. The family paid 6.2 lakh out of pocket. We filed for reimbursement with the surgeon's detailed justification and got full payout within 21 days.
Term Insurance Death Claim: 1 Crore Recovered via Ombudsman
A family's 1 crore term insurance claim was rejected after the policyholder's death. The insurer claimed the deceased had a smoking habit not disclosed in the proposal form 8 years earlier. We proved the medical exam at policy inception showed no nicotine traces, and the insurer's own underwriting accepted the risk. The Ombudsman ordered full payout with 9% interest within 90 days.
LIC Policy Revived After 4 Years Lapse: 28 Lakh Sum Assured Restored
A BTM Layout resident's LIC Jeevan Anand policy lapsed 4 years ago due to financial hardship. The policy had 28 lakh sum assured and significant bonus accrued. We used LIC's Special Revival Scheme (available once per policy) which shifts the commencement date — no medical exam needed for lapses up to 3 years, but we got an exception. Full policy restored in 30 days.
Senior Citizen Health Claim: 22 Lakh Approved for 72-Year-Old with Pre-Existing Conditions
A 72-year-old retired banker's claim for hospitalization was rejected by Star Health citing pre-existing hypertension and age-related exclusions. The policy had a 2-year waiting period that was completed. We proved the condition was declared at proposal and the waiting period was satisfied. Full 22 lakh approved within 38 days.
Corporate Group Health Claim: 15 Lakh Recovered for Employee After TPA Denial
A tech company's employee in Electronic City had a claim rejected by the TPA for a newly approved cancer treatment. The TPA called it 'experimental' despite IRDAI approval. We escalated directly to New India Assurance, bypassing the TPA, and got full payment within 45 days.
Travel Insurance Medical Emergency in Dubai: 8.5 Lakh Claim Settled
A family from HSR Layout had a medical emergency during a Dubai vacation. The hospital wasn't in Tata AIG's listed network, so cashless was denied. They paid 8.5 lakh upfront. We proved the policy covers 'any registered hospital' for emergencies and got full reimbursement with cashless arranged retroactively.
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