Mis-selling of insurance policies in simple words is “policies sold using false promises, deceptive tactics or manipulations such as about its benefits, costs etc”. it is a breach of trust where you are lied to regarding a policy only to make you buy it.
Contact BSK for legal aid in handling Complaints about Insurance companies.

Delay in the claim process can be the result of -
- Insufficient documentation
- Investigation required for complex claims
- Backlog of claims processing
Consult our experts for insights into your specific case for swift claim settlements.

You can Review the settlement offer against policy coverage and Negotiate with the insurer for fair compensation. Seek legal advice from subject matter experts to be your voice if the Complaint about Insurance company needs to be taken to court.

Simply put, it is when your insurance coverage and benefits are no longer available because you didn't make a required payment within the specified time. Non-payment, even after the grace period (typically 15-30 days from the due date), renders the coverage inactive or void, leaving the policyholder uninsured.

You can contact your insurance provider for reinstating lapsed insurance policy or to inquire if the policy lapse was an error. If left unsatisfied by their answers contact experts to negotiate on your behalf.

There could be multiple reasons
- Poor health or medical history
- High-risk occupation or lifestyle
- Financial instability
- Incorrect documentation

It is the foundation of a potential insurance contract, outlining details such as personal information, health and lifestyle, policy details and any additional information required from the potential policyholder. You then declare and sign it as proof of the accuracy of the data provided

Subrogation happens when an insurance company pays money to someone they insure in circumstances that weren't their fault. After paying, the insurance company might try to get that money back from the person who caused the problem in the first place.

It is case specific to the type of insurance, the income of the insured individual and other conditions mentioned in the Income Tax Act, 1961.

There are many Tax benefits of an insurance policy. For example, there are tax benefits available for Life insurance under Section 80C and Section 10(10D) of the Income Tax Act 1961.

While allowed in some cases, Paying premiums in cash may not provide a record of payment. It can also cause the loss of the tax benefits of mediclaim insurance. If you paid in cash and received a lapsed policy notice, contact an expert immediately for legal aid in handling complaints about insurance companies.

For your non-working years, insurance can supplement your income, cover long-term care, health issues and disabilities, and provide Tax benefits!

Coverage begins upon policy issuance or specified start date.
Deductibles are the money policyholders must give out of pocket before the insurance coverage begins. Co-payments (Co-pays) are fixed amounts that policyholders pay for specific services.

There is no answer to which is the best insurance but there are factors that decide which is the best for you. Depending on your age, health, coverage needs and budget, an insurance policy can be found to suit you perfectly. Contact a subject matter expert for consultation.

Unclear answers, reluctance to provide information, bad ratings, impatience and pressure to buy the policy are some of the red flags of an insurer. Refer to our BLOG for a comprehensive list of red flags in an insurer to avoid mis-selling or insurance fraud.

A few steps towards considering the best choice for you would you -
- Assess healthcare needs and budget
- Compare coverage options, premiums, and networks
- Consider deductibles, copays, and out-of-pocket expenses
- Contact an expert to help assess your situation

Double-check information and documentation, avoid delays in intimation, Follow policy terms and requirements, read the fine print and exclusions and Viola! You should be good to go! For any claim rejection-related services, BSK is but a few clicks away!

Multiple factors go into understanding the best-suited coverage for oneself such as age, medical history, pre-existing health conditions, budget etc. Contact our experts to help you soothe this nerve-wracking process.

While some insurers may reject your insurance proposal or give you a higher premium than the rest, no one is completely uninsurable. You just need to find an insurer willing to insure your health and future.

Bima Seva Kendra offers many services related to claim-rejection-related issues, claim settlement-related issues, mis-selling, fraud, and short-settled claims, as well as consultation services.

The experts at Bima Seva Kendra have a cumulative experience of 100+ years that can help you navigate your specific insurance claim-related issues and assure a smooth claim settlement.

No payment is asked upfront. Only when your case is approved- a one-time registration charge is required.
A Success fee of 12% + GST is charged only upon successfully resolving your insurance issues. There are no hidden costs. We are transparent about every cost involved within our claim settlement services.

No, Bima Seva Kendra does not sell insurance policies, nor do we campaign for any insurance company.
BSK's focus is solely on advocating for your rights and securing the claim settlement you deserve, rather than selling insurance products.