Insurance Fraud: How It Happens and How Bima Seva Kendra Can Help You Fight It

Two Lives, One Enemy: Insurance Fraud

Fraud doesn’t discriminate. Whether you’re a 26-year-old fresh into your first job or a 63-year-old retiree with decades of savings under your belt, insurance fraud can strike when you least expect it. And when it does, it leaves more than just financial damage. It chips away at trust.

Let’s meet two people: Ms. Ananya Mukherjee, 26, and Mr. Suresh Ghosh, 63. Both were victims of different forms of insurance fraud. But both found resolution through the same ally: Bima Seva Kendra.

1. Ananya’s Story: Mis-Sold Dreams and Vanishing Agents

Ms. Ananya Mukherjee, a marketing executive in Mumbai, had just started her career. Wanting to invest wisely, she was approached by an insurance agent who sold her a life insurance plan "guaranteed to double in 5 years." Without much scrutiny towards the agent who seemed to have her best interests at heart, she signed up.

It was only a year later, while switching jobs, that she reviewed the documents and realised she had signed up for a policy with heavy charges, market dependencies, and no guaranteed returns.

She had been a victim of the mis-selling of insurance policy, a classic case where benefits were exaggerated, and critical terms were hidden.
When she tried to cancel or rectify the policy, she encountered delays after delays, confusing responses, and a total lack of support from the insurer.
Issues started piling up. That’s when a colleague suggested reaching out to Bima Seva Kendra.

How BSK Helped Ananya:
● Carefully documented every false promise and communication trail.
● Drafted and submitted a formal complaint about the insurance company.
● Escalated the case to the Legal System.
● Brought regulatory pressure for faster resolution.

Result? A refund, compensation for mental distress, and Ananya got back control, not just of her money, but of her peace of mind.

2. Mr. Suresh’s Story: A Denied Health Claim When It Was Needed Most

Mr. Suresh Ghosh, a retired school principal from Kolkata, had been paying premiums on a health insurance policy for 12 years. When he was hospitalised for a cardiac issue, he expected the insurer to cover the bills smoothly.
But the reality was brutal: the claim was rejected on the grounds of a "pre-existing condition" he had never even declared or known about.
He was devastated. The hospital bills drained his pension fund. Multiple attempts to contact the insurer led to delays, roundabout explanations, and standard claim rejection letters.
The claim rejection-related issues became overwhelming. His daughter contacted Bima Seva Kendra after reading about their claim rejection services online.

How BSK Helped Mr. Bhaskar:
● Reviewed medical and policy documents to prove non-disclosure wasn’t intentional.
● Highlighted discrepancies in the insurer's medical underwriting.
● Filed a detailed case with the IRDAI.
● Managed all legal and formal documentation on his behalf.

Result? Partial reimbursement was approved, and the insurer was penalised for mishandling the claim.

Mr. Ghosh calls BSK his “second family”—not because they got his money back, but because they restored his dignity.

3. Why These Stories Matter
These aren't isolated incidents. Every day, policyholders across India face insurance claim-related issues, from delays in the claim process to flat-out claim rejections. Whether it’s the mis-selling of an insurance policy or being ghosted during critical moments, the emotional and financial impact is real.
But there’s a difference between feeling helpless and being helpless.
That difference is expert help, and that’s where Bima Seva Kendra steps in.

4. How Bima Seva Kendra Fights for You
● Claim Rejection Services: We take over your case, audit the insurer's actions, and help reopen closed claims.
● Legal Representation: We prepare and represent your side professionally and powerfully.
● Documentation Support: From paperwork to policy reviews, we hold insurers accountable.
● Easy Access to Claim Experts: You're never alone. We guide you through every step of your insurance battle. Contact us on our website at www.mybsk.in or call us at 8655943027. Help is just a click away.

The Takeaway

If you’ve been scammed, ignored, or wronged by an insurance company, don’t just post a rant or give up.
Document everything. Raise your voice. And call in the experts.
Whether you’re Ms. Mukherjee, Mr. Ghosh, or someone in between, you deserve fairness. You deserve a fight. And Bima Seva Kendra is here to give you both.