Health insurance claim denied or deducted
If an insurer or TPA denied, delayed or heavily deducted your hospital claim, start with a clear written grievance to the insurer's GRO. RefundPe reads your complaint and proof, drafts the email, and prepares the record you may need for IRDAI Bima Bharosa or the Insurance Ombudsman later.
Add screenshots, bills, denial letters, hospital summaries or PDFs under 15 MB each.
Free for Indian consumers. Not a law firm. Nothing is sent until you press Send.
Frequently asked questions
What proof helps with a health insurance claim dispute?
Keep the policy schedule, claim ID, denial or deduction letter, hospital bill, discharge summary, prescriptions and every email from the insurer or TPA.
Who should receive the first insurance grievance?
The first written complaint normally goes to the insurer's Grievance Redressal Officer or claims grievance desk, not directly to the Ombudsman.
Does RefundPe file the Ombudsman case for me?
No. RefundPe prepares the grievance email and an Ombudsman-ready record. You decide whether to use IRDAI Bima Bharosa or the relevant Insurance Ombudsman route later.
Does RefundPe charge anything?
RefundPe is a free grievance desk for Indian consumers. It is not a law firm, not a recovery agency, and it never takes a cut of any money you recover.
Can I upload PDFs?
Yes. You can attach screenshots and PDFs such as denial letters, policy schedules, bills and discharge summaries.
Is this legal advice?
No. RefundPe is a free grievance desk and not a law firm. Always verify policy numbers, claim numbers, dates and final facts before sending.
Other refund guides
RefundPe is a free grievance desk for Indian consumers. It is not a law firm and not a recovery agency, it does not take a cut of any money you recover, and it does not promise a refund. You read and approve every letter before it is emailed.