The insurer rejected the claim on a technicality, paid a fraction of it, or keeps asking for one more document. An insurance policy is a service, and a wrongful rejection is a deficiency in it.
Cashless health claims must be authorised within one hour, and the final discharge approval given within three hours.
IRDAI Master Circular on Protection of Policyholders' Interests, 2024A death claim that needs no investigation must be settled within 15 days, and one that needs investigation within 45 days. A delayed claim earns interest at 2% above the bank rate.
IRDAI Master Circular on Protection of Policyholders' Interests, 2024A health insurance reimbursement claim must be settled within 15 days.
IRDAI Master Circular on Protection of Policyholders' Interests, 2024Jagrik helps you write your refund request for the government's grievance portal and fills in the form. You submit it on NCH's own site.
official site →A legal notice is a formal letter that tells the company what you want and by when. Jagrik drafts it from your facts. You send it from your own email or by post.
Jagrik prepares your complaint documents and fills the e-Jagriti form. You review everything first.
You do not have to file a case. Use one, two or all three, in any order.
A legal notice puts your complaint in writing: what you bought, what went wrong, what you want, and the date by which the company must act. It gives the company a clear, dated chance to put things right.
Jagrik drafts the notice from what you tell it and the evidence you upload. You read it, change anything you want, approve it and send it from your own email, so the company replies to you and your sent mail is your proof.
The government's National Consumer Helpline (NCH) is run by the Department of Consumer Affairs and describes itself as a single point of access for consumers at the pre-litigation stage. It takes grievances in 17 languages. More than 2,000 companies are listed as partners in its Convergence Programme (NCH grievance form, October 2026).
Start with your own words and your evidence. Jagrik AI will help you with the notice, the helpline and the consumer court filing.
Start a complaint