Make smarter
insurance decisions.
Compare products, find trusted agents, resolve claim issues, and learn from real customer experiences.
Unbiased · IRDAI-verified data · Zero commission
How can we help you?
Choose a service to get started.
What do you want to protect?
One hospitalisation can cost ₹1–5 lakh out of pocket. Covered, you walk out paying almost nothing.
₹1 crore of protection for your family — for less than ₹28 a day if you start at 25.
A US hospital stay can exceed ₹50 lakh. A full week of cover costs about ₹800.
Third-party cover is the law. Comprehensive cover is what actually protects your car.
Open the guide, tick Compare on 2–3 products, and see exactly where each one wins — starred, highlighted, verdict included.
The industry has a trust problem.
Only 1 in 4 health claims is approved without friction.
The rest face partial payment, delays, or outright rejection — usually discovered at the worst possible moment.
Nearly all insurance complaints are about claim rejection.
Not pricing. Not service. The single biggest failure point in Indian insurance is getting paid what you were promised.
Health claim value disallowed in a single year.
Room-rent caps, sub-limits, waiting periods, fine print. We put every one of those clauses front and centre — before you buy.
Insurance information for India — free, unbiased, commission-free
MyEazyInsurance compares 60+ insurance products across 15+ brands using published IRDAI FY 2024-25 data. We do not sell insurance and earn no commission from any insurer, so no plan is ranked above another because of payment. Open a full guide below — each includes claim settlement ratios, incurred claim ratios, exclusions, waiting periods and a premium estimator.
- Health Insurance India — compare 15 plans on claim settlement ratio, room rent caps and waiting periods
- Term Life Insurance India — compare 15 plans on CSR and amount settlement ratio
- Travel Insurance India — compare 15 plans on medical cover, delay triggers and senior eligibility
- Motor Insurance India — compare 15 car plans on CSR, garage network and zero depreciation
Ready to see insurance clearly?
No forms. No login. No sales calls. Just real data and a comparison engine that shows you exactly where each product wins.
Understand it before you buy it.
Pick any insurance type for a plain-English guide to how it works, what the jargon means, and which clauses decide whether a claim gets paid.
Which insurance do you want to understand?
Choose one to open its own page — a plain-English guide and every plan explained in full.
Select at least one insurance type above
Your comparison will appear below — data from IRDAI Annual Report FY 2024-25.
Filing a claim, and fighting one that was refused.
The full process from intimation to settlement, what to keep ready, and the exact escalation route if the insurer says no.
Is the policy active?
Premium paid and no lapse. A policy in its grace period is not the same as a policy in force — a claim during a lapse is refused outright.
Is the waiting period over?
30 days for anything other than accidents, 2 years for listed ailments, and 2–4 years for pre-existing conditions. Count from the first day of continuous cover, not from your last renewal.
Is the hospital in the network?
Cashless only works at network hospitals. Anywhere else you pay first and claim back. Check the insurer's live list, not an old PDF.
Does the room fit the cap?
If your policy caps room rent, taking a dearer room scales down the room, nursing, theatre and surgeon charges proportionately. This is the single most expensive mistake people make.
The insurer pays the hospital directly
- Network hospitals only. Go to the insurance desk with your policy card and photo ID.
- Planned admission: request pre-authorisation 48–72 hours ahead.
- Emergency: intimate within 24 hours of admission.
- Since the 2024 IRDAI rules the insurer must decide on a cashless request within 1 hour, and give final authorisation at discharge within 3 hours.
- Approval is for a stated amount. Anything above it, and every non-medical item, stays on your bill.
You pay, then claim it back
- Any hospital, including those outside the network.
- Intimate the insurer before admission where planned, or within 24 hours in an emergency. Missing this window is a common ground for refusal.
- Submit documents within the window in your policy — usually 15 to 30 days of discharge.
- Keep every original. Insurers can and do ask for them.
- Settlement lands in the bank account registered on the claim form.
Always
- Policy number and health card
- Government photo ID of the patient
- Completed and signed claim form
- Doctor's admission advice
- Discharge summary
- Final hospital bill, itemised
- Payment receipts
Supporting
- All diagnostic and lab reports
- Pharmacy bills with matching prescriptions
- Operation theatre notes where there was surgery
- Implant sticker and invoice
- Cancelled cheque for reimbursement
If it was an accident
- FIR or police report
- Medico-legal certificate (MLC)
- Post-mortem report, for a death claim
Keep a scan of everything before you hand over originals. If a claim goes to the Ombudsman two months later, the documents you can produce decide the outcome.
You get a claim number
From the insurer or the TPA. Write it down — every call and email afterwards needs it.
Queries, if any
Missing paperwork comes back as a query. Answer it fast, in writing, and keep the acknowledgement.
Decision
Approved in full, approved in part, or refused. A part-payment is still a partial refusal and can be challenged.
Settlement
Paid to the hospital for cashless, or to your bank for reimbursement.
Five things that turn an approved claim into a refused one
- Not declaring a condition when you bought the policy. The commonest ground for rejection by a wide margin.
- Missing the intimation window. Treatment can be perfectly valid and still refused on timing alone.
- A room above the cap. It does not just cost you the room difference.
- Treatment inside a waiting period. Including conditions you did not know you had.
- Documents that disagree. A discharge summary saying one thing and the claim form another invites an investigation.
Need the insurer on the phone?
Customer care numbers, Grievance Officer names, emails and addresses for every insurer on this site.
The refusal in writing
Ask for the rejection by email, quoting the exact policy clause it relies on. A refusal over the phone is not something you can take anywhere. Insurers are obliged to give reasons.
Your own policy wording
Not the brochure. Find the clause they cited and read what it actually says. Rejections regularly cite exclusions that do not cover the situation.
A dated paper trail
Every email, claim number, call reference and acknowledgement, in order. The 30-day clock that unlocks the Ombudsman starts from a written complaint you can evidence.
The rule most people have never heard of
After 60 months of continuous cover — the moratorium period, cut from 8 years to 5 by IRDAI in 2024 — an insurer cannot reject a claim on the grounds of non-disclosure of a pre-existing condition. The only exceptions are proven fraud and conditions permanently excluded in your policy.
So if your policy has run five years without a break and the rejection letter says you failed to declare something, say so in your complaint and cite the moratorium. A lapse in cover resets the clock, and raising your sum insured starts a fresh moratorium on the increase alone.
- Policy number, claim number, patient name and date of treatment, in the first two lines.
- What the insurer said, quoted, with the date of the rejection.
- The clause they relied on, and why it does not apply to your facts.
- A numbered list of what you have attached.
- What you want — settlement of the claim, in a stated amount.
- A line stating that you will escalate to IRDAI and then the Insurance Ombudsman if there is no resolution in 30 days.
Send it by email to the GRO, not the general helpline, and keep the delivery receipt. One page, factual, no anger — these get read by people processing hundreds a week.
Insurer's customer support
Call the helpline first and ask why in writing. Note the ticket number — get the rejection reason on email.
Insurer's GRO
Written complaint. They have 15 days to resolve, and no more than 30.
IRDAI Bima Bharosa
No reply in 30 days, or unhappy with it? Escalate to the regulator.
Insurance Ombudsman
Free. Up to ₹50 lakh. Binding on the insurer. Decided in ~3 months.
Consumer Commission
Above ₹50 lakh, or if you reject the Ombudsman's award.
IRDAI — Bima Bharosa
Portal: bimabharosa.irdai.gov.in
Email: complaints@irdai.gov.in
Toll-free: 155255 / 1800-4254-732
Use after the insurer has had 30 days. IRDAI tracks insurer response times through this portal.
Insurance Ombudsman (CIO)
File online: cioins.co.in
Offices: 17 across India — file at the one covering your address
Limit: ₹50 lakh · Deadline: within 1 year of final rejection
No fee. No lawyer — advocates are not permitted to file on your behalf. Award is binding on the insurer once you accept it.
Worth knowing before you start
- The Ombudsman is free, there is no fee at any stage, and advocates are not permitted to file on your behalf. You do not need to hire anyone.
- You have one year from the insurer's final rejection to approach the Ombudsman. Miss it and that route closes.
- File at the Ombudsman office covering your address, not the insurer's.
- An award is binding on the insurer once you accept it. You are free to reject it and go to the Consumer Commission instead.
- A partial settlement can be contested for the balance. Accepting it does not always close the file — check what you are asked to sign.
- Nearly 9 in 10 insurance complaints in India are about claim rejection, not service. You are not an unusual case.
Who to write to
Grievance Officer name, email and address for every insurer on this site, plus the published customer care numbers.
Important: A phone call leaves no proof. Use the helpline to ask questions, but always file the actual grievance in writing by email to the GRO — the 30-day clock that unlocks the Ombudsman only starts from a written complaint you can evidence.
Why claims get rejected — and how to stay on the right side of it
The reasons are consistent, documented, and almost always avoidable. Start with the causes common to every policy, then open your insurance type for the specific traps that apply to it.
Every product, explained in full
Choose an insurance type, pick a product, and read everything: what it is, what it does well, where it falls short, how to buy it, and what to add to make it genuinely strong.
The questions people actually ask
Straight answers on cover amounts, super top-ups, claim settlement ratios, tax benefits and the clauses that catch people out.
Tell us what works and what doesn't
This site exists to be useful, not to sell. If something is unclear, missing or wrong, we would rather hear it.
What buyers actually say
Pick an insurance type, choose a product, and read real experiences — or add your own.
Verified agents, by insurance type and location
Filter by what you need and where you are. We list agents only after checking their IRDAI registration.
We don't sell. We show you the numbers.
Every product compared on real IRDAI data — no insurer pays us for placement.
Which one do you want to look into?
Open any type for a dedicated page — what to look for, every product from every brand, and a side-by-side comparison.
Pick the insurance type you need
We'll show you what to look for, then let you compare products from different companies.