Guides
Insurance complaint guides. Plain steps.
What to do when a claim is rejected or delayed, and where each complaint goes next.
PMJJBY claim
A PMJJBY death claim that is delayed or rejected: the order of steps and the papers to keep.
Read the guide →PMSBY claim
A PMSBY accidental death or disability claim that is delayed or rejected: the steps and the papers.
Read the guide →Bima Bharosa complaint
IRDAI's online grievance portal: what it is, what to attach, and what comes next.
Read the guide →Insurance Ombudsman complaint
Who can complain, the time limit, the claim limit, the papers, and how to check status.
Read the guide →Insurance claim rejected
The order of steps after any rejection: the insurer, its grievance officer, Bima Bharosa, the Ombudsman.
Read the guide →Health insurance claim rejected
Cashless denied, deductions and delays: the reasons given and the steps that follow.
Read the guide →Life insurance claim rejected
Death claim repudiated or delayed: what a nominee can do, and the steps that follow.
Read the guide →Insurance mis-selling complaint
A policy sold that was not what you asked for, including by a bank: how to document and escalate it.
Read the guide →Who we are. Samadhan Sarathi is a private service based in Ludhiana. We are not the government, not the insurer, not a bank, and not IRDAI or the Insurance Ombudsman. We prepare your papers and take you through the process.
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