Some rejections can be overturned — and some genuinely can't. Tell us why yours was rejected and we'll give you an honest verdict, the exact escalation path, and a ready draft letter.
General guidance for India, not legal advice · current as of mid-2026 · nothing you select is sent to us.
Pick the reason written on your rejection letter — that ground decides almost everything.
What the verdict means
The escalation ladder
Free, no lawyer needed up to the Ombudsman. Move up only if the step below doesn't resolve it.
Still stuck? You can also approach the Consumer Commission (district / state / national, by claim value) or a civil court — in parallel, if the matter isn't already before the Ombudsman.
Step 1, done for you
Replace the [BRACKETED] parts with your details, attach your documents, and send it to your insurer's Grievance Redressal Officer. This is a starting draft — have an advisor or lawyer review it for anything high-stakes.
Keep these ready
An IRDAI-verified advisor has escalated claims like yours before — they know which argument reverses which insurer, and which TPA desk to call. They can take this from a draft letter to a settled claim.
Every advisor in the ZaapIn directory is IRDAI-licence-verified.
Pass it on
"Your insurance claim was rejected? You may still have a case."
The free, no-login guide to the escalation path + a ready draft letter.
zaapin.com/tools/claim-rejection-help
Know someone whose claim just got denied? This could save them lakhs and weeks of confusion.