If your claim is rejected, the insurance company must give you the reasons for rejection. You can find out why your claim was refused. Insurance companies are required by the IRDA to give reasons for rejecting claims. The complaint and response letter of the insurance company can be used to find out the reasons why your claim has been refused. More straightforward disputes may be resolved, or incorrect decisions may be overturned when the matter is considered from a fresh perspective. You may also be given a more detailed explanation of the reasons behind the original decision, and understand why the claim had been rejected correctly. Following are mainly the reasons for life insurance rejection by the insurance companies.
So what to do if your insurance claim is rejected for a reason or the other? To begin with, one has got to follow a set of procedures. First and foremost get the death certificate of the insured as early as possible and provide it to the insurer. Call up your insurance representative and ask his assistance to get all necessary documents filled accurately. Your agent can act as an intermediary between you and the company. In case you don’t have an agent contact the insurance company directly. Submit a certified copy of the death certificate to your insured. Once this is done a settlement is issued shortly.