Claim denials
Claims denied without a proper investigation or survey
Some claims are refused after a remote review of photographs or documents, with no physical inspection, no site visit, and no contact with the claimant. The denial reads as a finding of fact, but no fact-finding took place.
Motor insurance
Motor OD Claim Rejected Without Physical Survey: When Remote Photo Assessment Goes Wrong
A policyholder's legitimate own-damage motor claim was summarily rejected after a remote review of photographs, with the insurer alleging the damages were unrelated to the reported accident and "accumulated in nature," despite no formal physical inspection ever being conducted.
Burglary insurance
Burglary Claim Rejected Despite CCTV Evidence and Broken Security Fixtures
A commercial policyholder's burglary claim for approximately six lakh rupees was rejected on the ground of no forcible entry, even though the insurer's own surveyor observed broken security fixtures on the boundary wall and reviewed CCTV footage showing multiple intruders entering the premises.
Health insurance
Cashless Claim Denied Without Investigation During Child's Emergency Hospitalisation
A father sought emergency cashless hospitalisation for his son but received a liability denial with no investigator visit, no video verification, and no contact from the insurer's claims team.