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Sir ESIC is governed by the State Govt and that there is an approval limit for specific disease hence

Dear Sir,
You may get issue a legal notice failing which approach Insurance Ombudsman to settle your claim otherwise approach Consumer Court.

Good evening!
The facts given are insufficient to provide any specific legal advice. Please contact an advocate or provide more details regarding the same.

Dear Client,

The status of the Nominee of a minor is like caretaker or the trustee of any benefits including tangible and intangible assets having no power of alienation till the minor becomes an adult or matured to take decisions independently on the subject matter.
So you need not to worry for the future of your kid. The insurer will take care of it in the right time when your term insurance matures. Your husband as the biological father of the kid is equally responsible for her future.

Dear Client
Compensation for a person died of an accident irrespective of his status of employment/profession depends upon various factors, like age and income of the person at the time of death, cause of accident, insurance status of OP etc.
So to get a clear picture on the point you may visit the office of the concerned Insurer or any other Insurer having IRDA license.

Dear Sir,
First try for settlement before Police if not possible then ask them to refer the matter to the Lok Adalath then ultimately it may be settled in the Regular Court.

Dear Sir,
You may go to High Court and get a direction to the concerned Court to dispose off the case as early as possible that is within time limit which may be fixed by High Court.

Dear Client,
If you want to cancel your LIC policy because you do not like its features and benefits, then you must make this decision within 15 days of receiving the policy documents. According to LIC, you have all the rights to cancel a LIC policy, before 15 days of receiving the policy documents. However, in this case, it is advisable to consult an advocate well-versed in this regard.

Dear Client

The moratorium period of 8 years may not apply to you as you have held health insurance policies without a break for the past 16 years, even with different insurance companies. However, you should check with your current insurance company to confirm any specific policies or waiting periods.

Dear Client

In India, there is no similar law to the surprise bill act in the USA, but if the insurance company has approved pre-authorization for treatment and post-hospital cashless approval, they are liable to pay the bills. You can approach the insurance ombudsman or consumer court and provide all relevant documents to support your claim.Please seek an expert legal advice over this matter.