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Dear Client,
Termination accepting the resignation and vice versa is tantamount to unfair labour practices as defined under Sec.2(ra) of the Industrial Dispute Act, 1947. Regardless of the terms and conditions of employment, such an action by an employer is unacceptable and impermissible under the law and deserves to be challenged before the concerned authority/Court. Termination without notice other than disciplinary action amounts to illegal termination and is defined as an industrial dispute

Dear Client,
The premium of insurance against a home loan is born by the borrower. On the sudden demise of the borrower, the premium payable for renewal of insurance policy against a home loan might have been stopped which makes your claim repudiated/rejected by the Insurance Company. In the absence of ground behind the rejection of the insurance claim, nothing can be suggested at the moment. Reach out to an Advocate for guidance for advice and steps.

Dear Client,
Your situation highlights the inconsistency and unfairness in the insurance provider's handling of your mother's claim. Initially, they approved the cashless claim twice, indicating that ICU admission and the associated treatments were justified. Denying the reimbursement later and excluding significant charges like ICU, oxygen, and major medicines contradicts their earlier approvals and seems unjustifiable.
Under the Insurance Regulatory and Development Authority of India (IRDAI) g

Dear Client,
It is important to disclose all your medical conditions and disorders while availing a health insurance policy. The terms and conditions of an insurance policy are vital to raise a claim under the policy. Further, non-disclosure of a pre-existing disease (PED) may be the reason to repudiate your claim as the same might not be covered under the policy. So, in this situation, you can file a consumer complaint under Section 35 of the Consumer Protection Act before the District Consumer

Dear Client,
In the health insurance policy, some pre-existing diseases(PED) are covered after24 months from the date of inception of the policy and some are covered after 48 months on continuous renewal of the policy. Since the claim arose before the 24 months, the Insurer has repudiated or rejected your claim for lack of coverage of PED as per terms of the Insurance Policy.

Dear Client,
In the given situation, bring the matter to the notice of the Grievance Cell of the concerned Insurance Company endorsing a copy to the insurance regulatory authority, IRDIA. In case, no suitable reply is received or received a reply denying your claim, then file a complaint before the Dist. Consumer Commission against the concerned hospital and the Insurance Company on the grounds of deficiency and unfair trade practices claiming the entire medical treatment cost incurred for the

Dear Client,
In cases where an insurer cancels a mediclaim due to alleged non-disclosure of pre-existing diseases, you can explore legal options to challenge the decision. It is essential to gather all relevant medical records, including the MRI and X-ray results from seven years ago, to demonstrate that there was no conclusive diagnosis at that time. Engaging with a lawyer who specializes in insurance or health law can help you navigate the legal aspects. Presenting your case based on the lack

Dear Client,
Motor insurance covered only accidental death and disabilities arising out of an accident duly reported and investigated by the concerned authorities. Death by gun firing does not come under the purview of accidental death, As such, a claim even if filed, may be repudiated by the Insurance Company.

Dear Client,
An insurance policyholder can surrender, migrate and port his insurance policy or invest with another Insurer that suits his or her situation following the policy condition and regulations of the regulatory authority, IRDA. An Insurer cannot force an insured to migrate into their existing policies on surrender of an insurance policy. Such an action of an Insurance Company is termed an unfair trade practice and a violation of IRDA(Protection of Policyholder Interest) Regulations, 200

Dear Client,
Regulation 4 of the IRDAI (Appointment of Insurance Agents) Regulations, 2016 deals with the appointment of insurance agent by the Insurance Companies. Only candidates who have qualified in the Insurance Agency Examination and who hold a valid pass certificate issued by the examination body shall be eligible to be considered for appointment as insurance agent by the Insurer. So, the information received by you on the subject from the socalled informer is totally wrong and misleading