If your insurance claim gets rejected, you can take several steps to appeal the decision. First, carefully review the rejection letter and policy documents to understand the reason for denial. Then, gather all necessary documents, such as medical records, bills, and any additional proof that supports your claim. You should formally request a reconsideration by writing to the insurance company’s grievance redressal officer, providing all relevant details and justifications. If the insurer does not respond satisfactorily within 30 days, you can escalate the matter to the IRDAI’s Grievance Redressal Cell through their online portal (IGMS), email, or toll-free helpline. If the dispute remains unresolved, you can approach the Insurance Ombudsman, a free and independent body that handles consumer complaints against insurers. IRDAI ensures that insurers follow fair practices and adhere to grievance redressal mechanisms, protecting policyholders from unjust claim denials and ensuring timely resolution of disputes.

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