Claim support

Understand the decision. Build the right response.

ClaimEasy reviews the policy, reason given by the insurer and available evidence to identify whether your claim has technical merit and how it may be taken forward.

Start with clarityFree preliminary merit review before paid engagement.

The issue matters

Different claim problems need different technical grounds.

A strong representation is not a generic complaint. It should connect the facts and evidence to the relevant policy terms and explain precisely what requires reconsideration.

  • Policy wording and schedule review
  • Repudiation, deduction or delay analysis
  • Document and evidence gap identification
  • Forum-specific technical representation
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Rejected or repudiated claims

Review of the stated rejection ground against the policy, proposal or disclosure record, claim evidence and correspondence. Where merit exists, ClaimEasy helps prepare a point-by-point reconsideration request.

  • Non-disclosure
  • Exclusions
  • Policy conditions
  • Late intimation
  • Documentation

Delayed or unanswered claims

Structured follow-up when a claim remains under review, investigation or repeated document requests without a clear conclusion. The response history is organised before formal escalation.

  • Pending investigation
  • Repeated queries
  • No final decision
  • Communication gaps

Short-settled or deducted claims

Assessment of how the payable amount was calculated, including deductions, sub-limits, depreciation, average/proportionate clauses, reasonable and customary charges, or survey conclusions.

  • Unexplained deduction
  • Sub-limits
  • Depreciation
  • Survey assessment
  • Underinsurance

Insurance lines

Support across personal and commercial claims

Case acceptance depends on the merits, available documentation and the forum that can appropriately address the dispute.

Health insurance

Cashless denials, reimbursements, waiting periods, pre-existing disease disputes, medical necessity, exclusions, deductions and claim delays.

Life & term insurance

Death and maturity claims, alleged non-disclosure, proposal form issues, medical records and interpretation of policy conditions.

Motor insurance

Accident, theft, total loss, constructive total loss, survey assessment, licence or usage grounds and repair deductions.

Property, fire & burglary

Cause of loss, exclusions, warranties, stock/asset valuation, underinsurance, reinstatement and survey report issues.

Travel insurance

Overseas medical, cancellation, baggage, delay and other benefit disputes under the relevant travel policy.

Commercial & specialty

Marine, engineering, liability and other business claims requiring policy, causation, quantum or survey analysis.

Escalation pathways

Use the forum that fits the case—not the loudest one.

ClaimEasy’s stated approach is to begin with the insurer-level grievance route and escalate a meritorious case only when required.

01

Insurer grievance

A structured representation to the insurer’s grievance redressal channel, supported by the relevant policy and claim grounds.

02

Insurance Ombudsman

Assistance for eligible complaints after the insurer route, subject to current jurisdiction, value, limitation and procedural requirements.

The Ombudsman process published by the Council for Insurance Ombudsmen requires a prior representation to the insurer/broker and applies eligibility conditions. Rules can change; verify the current position on the official procedure page.
An Indian claims specialist carrying out an insurance claim merit review

Prepare for review

The better the record, the clearer the assessment.

You do not need to upload documents on this website. After the first contact, the ClaimEasy team can tell you what records are needed and how to share them through an agreed channel.

  • Policy schedule, wording and endorsements
  • Claim form and acknowledgement
  • Repudiation, query or settlement letter
  • Supporting medical, repair, survey, invoice or loss documents
  • Previous complaints and insurer responses
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