Clear Answers for Aggrieved Policyholders
Everything you need to know about challenging an insurance repudiation, filing with the Insurance Ombudsman, and your statutory rights under IRDAI regulations.
This is one of the most common rejection reasons in India, and two IRDAI rules protect you. First, under the IRDAI Master Circular on Health Insurance Business (May 2024), the pre-existing disease waiting period can be at most 36 months. Second, once your policy has 60 months (5 years) of continuous coverage, including ported tenure, the insurer cannot contest a claim on grounds of non-disclosure or misrepresentation, except for established fraud.
Still have doubts about your specific rejection letter?
Upload your letter photo for a free 90-second automated check. We pinpoint the exact clause, assess your case strength, and tell you if your claim was repudiated unlawfully.
Don'tlettheinsurerkeepyourmoney.
Every day you wait brings you closer to the 30-day appeal deadline. Check your letter right now in 90 seconds. We challenge unfair repudiations across Pre-Existing Diseases, ICU room rent caps, Clinical Nutrition disallowances, and Patient Education & Rehabilitation cuts.