Is there a secret path to resolve my insurance claim?
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My policy clearly states that a family medical emergency is a valid reason for cancellation, yet I’m getting nowhere. I’ve already failed the internal appeal, and the Ombudsman is taking forever. What else can I do to ensure a fair review? Is there another escalation route I’m missing to get this resolved?
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I completely understand your frustration — dealing with a claim denial for a genuine emergency is exhausting. Since you’ve already tried the Ombudsman, be sure to file a formal complaint with IRDAI’s Bima Bharosa system.
If that fails, a consumer court case is a solid next step; many people win compensation plus interest there. Maintain a consistent and organized approach for every email and document. Don't give up yet — staying persistent with the regulator and legal routes usually yields results.