Loan suraksha Bima Loan suraksha Bima

Loan suraksha Bima on car loan is compulsory or not

3 Response(s)

Posted 2 days ago


A. Dear client,
Under the scheme, in case of death due to accident or complete disability, the beneficiary's nominee gets ₹ Two Lakh, while in case of partial disability an amount ₹ One Lakh is given to the nominee.
Although the same is not compulsory however, having a car insurance is mandatory driving document in India.

Hope it helps.

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Medical Insurance claim rejected due to duplicate bill Medical Insurance claim rejected due to duplicate bill

Two of the hospital bill was rejected since it was duplicate bills,

1 Response(s)

Posted 2 weeks ago


A. Dear Client,
As it is declined due to duplicate bill find the orginal bill and apply for medical insurance.

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nomination in Insurance Policy nomination in Insurance Policy

My Father has expired last year. We are four brothers. My father has taken four Insurance Policies and nominated one of the sons as nominee in each of the policy separately. I have read that nominee i

1 Response(s)

Posted 3 weeks ago


A. Dear client,
You will be entitled to what you have been nominated for and others will be fully entitled to what they have been nominated for. It was up to your father's discretion and it will go according to his will.

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Motor vehicle insurance claim Motor vehicle insurance claim

My vehicle accident claim was not passed in full. Can I go to Insurance ombudsman. My vehicle repaired in Haryana, where from I am resident. But I am in govt job near Jaipur, can I file my complain

1 Response(s)

Posted 1 month ago


A. Dear Client,

You may approach the Ombudsman to deal with issues with respect to Insurance Act, 1938. Yes you may file the complaint in Jaipur as you reside in Jaipur and the car is registered in that state. If not, Please file the complaint in Haryana.

Thank you so much, I hope this answer helped you.

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Less vehicle insurance amount passed Less vehicle insurance amount passed

My vehicle damaged three sides due to accident. Only 3000 of one side damage passed. Total damage amount is 21000. I not availed passed insurance claim and repaired in cash. Can I file a case for fu

2 Response(s)

Posted 1 month ago


A. Dear Sir,
You may go to Insurance Ombudsman which is cost effective otherwise you will lose money if you prefer appeal against such order.

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passing less claim amount than idv in case of total loss passing less claim amount than idv in case of total loss

Dear Sir/Maam my father had a car insurance by Oriental Insurance Company. there was an accident on 29th-sept-2014 after which when car is surveyed it was declared total loss but company is passing o

1 Response(s)

Posted 2 months ago


A. Dear client
Call your insurance company immediately after the accident and inform them about the damage. Intimate the police about the incident and obtain an FIR. Record the details of the car, the driver, and the witnesses in the FIR. File a claim with your insurance company and ask them to assign a surveyor to evaluate the loss.

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Cashless Claim rejected stating non-disclosure of pre-existing disease Cashless Claim rejected stating non-disclosure of pre-existing disease

I was insured with group health insurance and I recently quit my job and I requested to port my group insurance to individual. At first, the insurance provider denied porting and after complaining to

1 Response(s)

Posted 2 months ago


A. Respected sir/ma'am,
Kindly look into the case of
Religare Health Ins. Co. Ltd. vs Harwant Singh And Another on 8 February, 2021.

You can file an application in the STATE CONSUMER DISPUTES REDRESSAL COMMISSION
Section 19 of the General Insurance Business (Nationalization) Act, 1972 states that it shall be the duty of every Insurance Company to carry on general insurance business so as to develop it to the best advantage of the community. The denial of medical expenses reimbursement is utterly ...ReadMore

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Freelook Denial Freelook Denial

Policy Copy Recieved after Freelook Expiry Date as Insurance company Says it was credited to your EIA account which I never knew what it was Also the facts filled by agent were wrong which we pointed

2 Response(s)

Posted 2 months ago


A. Dear Sir,
If you have any issue then there is an authority called Insurance Ombudsman to which you can lodge complaint online or offline and get settle the matter.

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Health Insurance - Joined a health insurance plan Health Insurance - Joined a health insurance plan

Dear Sir, We (my wife and myself) Jointed a health insurance plan on December 2021, It was without a medical checkup. Now we have received a letter saying that we are not in a position to grant cover

1 Response(s)

Posted 2 months ago


A. As.per the rules , a person may be able to hold or withdraw the premium for the insurance on the life of the person,.in which he or she has insurable interest, and claim tax benefitts on the premium.

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Insurance - can I hold or withdraw Insurance - can I hold or withdraw

can i hold or withdraw my premium amount from Insurance company, I have paid 2 lac installment in two years 1 lac per year in term Insurance Kotak Smart Life Plan

1 Response(s)

Posted 2 months ago


A. As per the rules, a person may be able to hold or withdraw the premium for insurance on the life of the person, in which he or she has insurable interest, and claim tax benefits on premium payments, even if he or she can't propose for the insurance

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