Denial of claim is not the end of the road
The Hindu
If your claim is either not entertained or is denied, you can approach the insurer and even the IRDAI
It can be very dispiriting to have an insurance claim rejected. It hurts financially and your peace of mind and trust fade. Claims rejection, delays in settling claims and lack of proper communication with the policyholder are stories we have heard or experienced. Being treated unfairly is disconcerting, especially because you have paid for a promise.
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