Home > Money > Question
Need Expert Advice?Our Gurus Can Help
Roopam

Roopam Asthana  | Answer  |Ask -

Answered on Jun 11, 2021

Anonymous Question by Anonymous on Jun 11, 2021Hindi
Listen
Money

3. How can I appeal a rejected claim?

Ans: It is important that before going for an appeal one must go through the denial letter and understand the reason for rejection. One should go through the terms & conditions thoroughly and then take any action within the specified period a specified in your policy document.

If one is still not convinced with the reason/s of rejection, then they can approach the Insurance Ombudsman, provide sufficient documents like bills and other related documents, and provide any other evidence when you file an appeal against the rejection.

It is recommended that all policyholders who file a claim keep track of all the communication with their insurer and follow up diligently.

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
Money

You may like to see similar questions and answers below

Milind

Milind Vadjikar  | Answer  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Mar 17, 2025

Listen
Money
Sir need clarification regarding 1.i have done Reliance health infinity insurance for 15 lacks .date of inception is 11-6-2020 PEDs not disclosed ( DM,Hypothyroidism)( done by agent not verified me at that time) 2. Did Reliance Super top up policy after 11-7-2022 online by Reliance agent during this i disclosed that PEDs (DM,Hypothyroidism) and at that time specifically mentioned to online agent regarding PEDs and also told him to PEDs not mentioned in base policy please correct it. I never utilised insurance policy for any claims. During 23-4-24 i diagnosed to have Acute Myeloid Leukemia for which i applied for cashless admission for Reliance health infinity insurance ( base policy) They simply rejected on the basis of PEDs not disclosed. And told that your policy is canceled. But i kept a letter to company stating that in base policy PEDs not disclosed, but in super top up policy i mentioned Again the base policy renewal done after expiry by company online. Later also i went for cashless admission again they rejected claim for base policy. My question is why they did renewal of that base policy inspite of first rejection. And for super top up policy it can be claimed after spending 15 lacks i applied for cashless, they processed it and told to come for reimbursement claim After discharge i applied for reimbursement claim they simply replied that your PEDs not told correct duration since how many days. So we are rejecting this policy also For this what should i do, please Ag
Ans: Hello;

In any insurance adequate disclosure is essential to get a thorough underwriting check and risk acceptance.

Once insurance company agrees to insure with the disclosures then chances of claim rejection are remote.

You may escalate the matter with Compliance Officer of the insurance company, insurance ombudsman or IRDAI for an amicable settlement, if possible.

You may also check with organisations such as "beshak.org" for any possible help in the matter.

Best wishes;

..Read more

Latest Questions
Nayagam P

Nayagam P P  |6756 Answers  |Ask -

Career Counsellor - Answered on Jun 22, 2025

Career
My son got 4400 rank in JEE Mains, 5100 in JEE Advanced. He got Chemical engineering in IIT Guwahati in Round 1 of JoSAA. He also got ECE in IIIT-Hyderabad. He is expecting to get CSE in IIT Tirupati or at the best to Chemical engineering in IIT Kharagpur in Round 6 of JoSAA. We are from Hyderabad.Which course/institute do we prefer now? To freeze which college/course in further rounds of JoSAA or to opt ECE in IIIT-Hyderabad? .
Ans: For a student from Hyderabad with JEE Main rank 4400 and JEE Advanced rank 5100, the main choices are Chemical Engineering at IIT Guwahati, ECE at IIIT Hyderabad, a likely chance at CSE in IIT Tirupati, and a possible Chemical seat at IIT Kharagpur. IIT Guwahati Chemical Engineering offers a strong placement rate (79%), average package of ?22.5 lakh, and broad core and non-core opportunities, with an IIT brand and robust campus life. IIIT Hyderabad ECE is among the best in India for tech placements, with a 98%+ placement rate, average package of ?21–29 lakh, and top recruiters like Google, Microsoft, and Amazon, plus a strong research ecosystem and Hyderabad location. IIT Tirupati CSE, if secured, provides a 73–77% placement rate and average package of ?20–25 lakh, but is a newer IIT with developing alumni and industry connections. IIT Kharagpur Chemical Engineering is highly respected, with an 83% placement rate and strong alumni network, but core placements are less lucrative than tech roles. The recommendation is to prefer ECE at IIIT Hyderabad for its unmatched placement outcomes, tech focus, and Hyderabad location, followed by CSE at IIT Tirupati (if allotted), then Chemical Engineering at IIT Guwahati or IIT Kharagpur, as IIIT Hyderabad ECE offers the best balance of career opportunities, industry exposure, and academic excellence among your current options. All the BEST for the Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |6756 Answers  |Ask -

Career Counsellor - Answered on Jun 22, 2025

Career
Hi sir my son got ece in AMRITHA and 11000 rank in comedk. Which is better option weather to go with AMRITHA or comedk counselling
Ans: Sheela Madam, With an ECE seat already secured at Amrita (likely at a campus other than Coimbatore) and a COMEDK rank of 11,000, your son will not be able to get CSE or ECE in top Bengaluru colleges like RVCE, BMSCE, or MSRIT, as their CSE and ECE cutoffs are typically below 10,000. However, he has good chances for CSE or ECE in reputable mid-tier colleges such as BNMIT, JSS Academy of Technical Education, RNS Institute of Technology, and Nitte Meenakshi Institute of Technology, where cutoffs for these branches often extend up to 12,000–17,000. Amrita Vishwa Vidyapeetham offers strong academic quality, robust placement records (over 200 companies, average CTC ?9 lakh), and a national reputation, especially for ECE, with modern infrastructure and a research-driven environment. COMEDK colleges may offer a Bengaluru location advantage and strong peer interaction, but Amrita’s ECE program is generally considered superior in terms of brand value, research exposure, and placement consistency, especially outside the top COMEDK colleges. The recommendation is to proceed with Amrita ECE unless your son secures a CSE or ECE seat in a top-10 COMEDK college, as Amrita offers better long-term prospects in academics and placements compared to most options available at his current COMEDK rank. All the BEST for the Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Nayagam P

Nayagam P P  |6756 Answers  |Ask -

Career Counsellor - Answered on Jun 22, 2025

Asked by Anonymous - Jun 20, 2025Hindi
Career
Hello sir! I am Preetam, I secured 3468 rank in KCET, And I belong to category OBC-2AG, Comparing previous year cut offs, I may get CSE in top 5 Colleges except R V COLLEGE, I have visited both PES RR campus and MSRIT Campus, I am ready to take ECE in R V College. So I am in confusion in choosing CSE in PES RR campus or MSRIT Campus? Please anyone suggest me, which is better to choose?
Ans: Preetam, Between CSE at PES University RR Campus and CSE at MS Ramaiah Institute of Technology (MSRIT), both are top-tier choices in Karnataka with strong academic reputations and excellent placement records. PES University RR Campus reported an 83% placement rate for BTech in 2023 with a large student intake and consistent recruiter interest, while MSRIT achieved a 95% placement rate, with CSE being the most sought-after branch and attracting the highest number of job offers from over 350 top recruiters, including Amazon, Google, and Microsoft. MSRIT’s CSE program is widely regarded as one of the best in the state, with a robust curriculum, experienced faculty, and strong industry connections, leading to high placement rates and competitive average packages. PES University’s CSE program is also highly respected, benefiting from its location in Bangalore’s tech hub and offering strong industry exposure, but recent placement rates have seen a slight dip compared to MSRIT. Both campuses offer modern infrastructure, research opportunities, and active student development programs, but MSRIT’s consistently higher placement rate and reputation for CSE give it a slight edge for students focused on computer science careers. The recommendation is to choose CSE at MS Ramaiah Institute of Technology over PES University RR Campus, as MSRIT offers superior placement outcomes, industry acceptance, and long-term career prospects in computer science. All the BEST for the Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x