How to Appeal a Rejected Health Insurance Claim in India (2026)
If the GRO reply is unsatisfactory, file with the Insurance Ombudsman - free, semi-judicial, and binding on the insurer. Acknowledgment in 3-5 working days, awards typically within 3 months.
Step 4: IRDAI Bima Bharosa (IGMS)
File on the Bima Bharosa portal at bimabharosa.irdai.gov.in to put regulatory pressure on the insurer. A trackable reference number is issued and the insurer must respond within 15 days.
Step 1: Written rejection letter
By regulation the insurer must provide a written rejection citing the specific policy clause. If they have not, write a formal letter demanding one and keep every communication with dates.
Claim recovery specialists handle appeals through GRO, IRDAI and the Ombudsman, and have recovered over Rs 50 crore for families. See the health insurance claim rejection fight-back guide for free guidance.