Health Claim Rejected? The 7-Step Recovery Checklist

Claim rejections often come down to documentation gaps and pre-existing-disease clauses. Step 1: Get the rejection in writing. Step 2: Demand the specific clause cited. Step 3: Get a treating-doctor letter. Step 4: File a formal grievance with the insurer's Grievance Redressal Officer. Step 5: Escalate to the IRDAI Bima Bharosa portal. Step 6: Consider the Insurance Ombudsman for claims under ₹50 Lakh. Step 7: Lean on an experienced advisor — we handle the paperwork end-to-end.