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We believe in absolute transparency. Find answers to our most common queries regarding claim rejections, our legal processes, and how we recover your money.
Nidaan LLP is an independent insurance grievance redressal consultancy. We help policyholders across India fight against wrongful insurance claim rejections, unreasonable delays, and short-settlements (underpayments). We handle all the legal drafting, surveyor disputes, and Ombudsman escalations on your behalf.
Our initial case evaluation and document audit are completely free. If we determine that your case is legally valid and winnable, we operate on a transparency-first model. You only pay our professional success fee after the rightful claim amount has been successfully credited to your bank account. (Note: A nominal administrative registration fee may apply only upon formal case acceptance).
We have specialized experts for all major insurance categories, including Health (Mediclaim), Life & Term Life, Motor (Car & Commercial Vehicle), Fire & Property, Travel, and Marine & Transit Insurance.
It takes less than two minutes. Click on the "Register Complaint" or "Submit Case" button on our website. Fill out the basic details about your claim and upload your policy document and the insurer's rejection letter. Our experts will review it and call you within 24 to 48 hours to discuss the next steps.
Absolutely not. Filing a grievance for a legitimate claim is your legal right as a consumer in India. The Insurance Regulatory and Development Authority of India (IRDAI) strictly prohibits insurers from canceling or refusing to renew a policy in retaliation for a grievance filing.
Yes. This is the most common excuse used by insurers. If your current hospitalization was for an ailment entirely unrelated to the alleged pre-existing condition, or if the condition was undiagnosed at the time of policy purchase, we can legally challenge and overturn the rejection.
We can help recover unjustified deductions. While insurers can deduct proportionate charges if you exceed your room rent limit, they often illegally deduct costs for medicines, implants, and consumables that are not legally linked to the room rent. We audit your bill to recover these unfair deductions.
With modern medical advancements, many surgeries and treatments (like dialysis, chemotherapy, or minor surgeries) take less than 24 hours. We use the "Day Care Procedure" clauses and medical literature to prove the treatment was a covered necessity, forcing the insurer to pay.
If a cashless claim is denied, you must usually settle the hospital bill out-of-pocket, collect all original documents, and file for "Reimbursement." If that reimbursement is subsequently rejected or short-settled, Nidaan LLP steps in to fight the case.
If a policyholder passes away within 2 to 3 years of purchasing a life insurance policy, it is categorized as an "Early Death Claim." Insurers scrutinize these heavily for fraud or hidden medical histories. We intervene to ensure insurers do not use "investigations" as an excuse for endless, illegal delays.
Section 45 is a powerful consumer protection law. It states that no life insurance policy can be called into question on any grounds (including misstatement of health or fraud) after three years from the date of issuance. If your policy is older than three years, we use this law to shut down rejections instantly.
It depends on the exact timeline. Life insurance policies have a standard 15 to 30-day "grace period." If the death occurred during this window, the claim is fully payable. Furthermore, if the lapse was caused by a bank's auto-debit (NACH) failure rather than the policyholder's negligence, we can often fight for a successful payout.
No. Insurers often use standard checklists that demand irrelevant documents to delay processing. For a natural, medically certified death at home, a post-mortem is not legally required. We challenge these unreasonable documentary demands to speed up your settlement.
Do not accept a lower settlement. The Insured Declared Value (IDV) printed on your policy is a legally binding contract value. In the event of theft or total loss, the Supreme Court has ruled that the insurer must pay the exact IDV without applying further depreciation.
Yes. Surveyor reports are not the final word. If a surveyor baselessly alleges negligence to deny a valid fire claim, our experts counter it using official Fire Brigade reports, electrical inspector certificates, and forensic audits to prove the fire was a covered accident.
Yes. In acute, life-threatening medical emergencies, saving the patient's life takes legal precedence over administrative intimations. We use medical records to prove that prior notification was impossible, forcing the insurer to honor the medical bills.
Insurers frequently shift the blame to the consigner's packing methods. We challenge this by auditing pre-dispatch inspection reports and proving that the damage was caused by an external insured peril (such as a vehicle accident or severe weather) rather than the packing itself.
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