Fight Back Against Unjust Insurance Claims
Your insurance company rejected your claim, mis-sold a policy, or paid far less than you deserve? Our experienced legal team helps policyholders recover what is rightfully theirs — through IRDAI, Insurance Ombudsman, IGMS, and Consumer Court.
Free Case Evaluation
Describe your issue — our expert reviews within 2 hours
Is This What Happened to You?
Insurance companies use complex legal language and arbitrary reasons to deny or reduce valid claims. We know every tactic they use — and how to counter it.
Claim Rejection
Your valid insurance claim was rejected citing vague "non-disclosure", "pre-existing condition", or "policy exclusion" clauses that were never clearly explained at the time of purchase.
High PriorityMis-selling of Policy
You were sold a policy under false pretences — told it was a FD, or assured benefits that are nowhere in the actual policy document. You have a right to a full refund.
High PriorityDelay in Claim Settlement
The insurer is dragging its feet, asking for more and more documents, or simply not responding. IRDAI mandates specific timelines — we enforce them on your behalf.
UrgentClaim Short-settled
You received a claim cheque but the amount is far less than what you are entitled to. Insurers routinely deduct amounts using hidden clauses. We challenge and recover the difference.
Common IssueHealth Claim Reimbursement
Your health insurance reimbursement claim was rejected or reduced citing sub-limits, room-rent caps, or co-payment clauses that were not adequately disclosed at policy issuance.
Health InsuranceDeath Claim Rejected
The insurer rejected a life insurance death claim citing non-disclosure or suicide exclusion clauses, leaving your family without the financial protection they were promised.
High PriorityMotor Insurance Dispute
Your motor vehicle insurance claim for accident, theft, or damage was denied or undervalued. We handle private vehicle, commercial vehicle, and two-wheeler claim disputes.
Motor InsurancePolicy Lapsed Without Notice
Your policy was lapsed by the insurer without adequate notice, or after you had already paid premiums. Reinstating lapsed policies and recovering premiums is our expertise.
Policy DisputeKnow Your Policy
Understand exactly what your existing policy covers — sub-limits, exclusions, waiting periods, renewal rights, and portability benefits — so you are never caught off guard at claim time.
AdvisoryHow We Fight Your Insurance Battle
A streamlined four-step process from complaint registration to final resolution.
Free Case Review
Submit your complaint details. Our insurance legal expert reviews your case, policy documents, and rejection letter within 2 hours — free of charge.
Strategy & Forum
We identify the strongest legal grounds — IRDAI grievance, Insurance Ombudsman, IGMS portal, Consumer Court, or NCDRC — based on your case specifics.
Representation
Our advocates draft and file your complaint, appear before the relevant authority, and negotiate directly with the insurance company on your behalf.
Resolution & Recovery
We pursue your case until you receive the full claim amount or a fair settlement, and provide you with a detailed resolution report.
Legal Forums & Authorities
We are experienced in filing, arguing, and winning cases at every insurance grievance redressal forum in India.
Insurance Ombudsman
The Insurance Ombudsman is the most effective free grievance forum for policyholders. We prepare and file your complaint, attend hearings, and negotiate settlements. Awards are binding on insurers.
Free · 30-Day ResolutionIRDAI IGMS Portal
The Insurance Regulatory and Development Authority of India (IRDAI) operates the Integrated Grievance Management System. We register and track your complaint, and escalate to IRDAI if the insurer fails to respond.
Online · Fast ResolutionConsumer Forum / NCDRC
For complex disputes involving larger claim amounts, the District Consumer Forum, State Commission, or National Consumer Disputes Redressal Commission provides binding legal orders against insurance companies.
Compensation + CostInternal Grievance Cell
We first engage the insurer's official Grievance Redressal Officer (GRO) with a formal legal notice. This often resolves claims quickly without the need for external escalation.
Step 1 ResolutionBanca & Broker Disputes
If your policy was sold through a bank (bancassurance) or broker, both the insurer and the selling entity share liability. We identify and name all responsible parties in the complaint.
Bank + Insurer LiableCivil Court — High Value
For very high-value claims or cases involving corporate policies, director liability, or pure legal interpretation, we file suits in civil courts or approach the High Court for appropriate relief.
High Value ClaimsResults That Speak
We have helped thousands of policyholders recover what insurance companies wrongfully withheld.
"LIC rejected my father's death claim citing a medical disclosure we were never told about. UrbanFiling's team took up our case with the Insurance Ombudsman and we received the full ₹25 lakhs within 6 weeks. Truly life-changing."
"Star Health denied my surgery claim saying it was a pre-existing condition. After UrbanFiling filed before the Consumer Forum, the insurer settled the full ₹8.5 lakh within 30 days along with ₹50,000 compensation for harassment."
"I was mis-sold a ULIP as a 'bank FD' by an ICICI Bank representative. After 3 years of paying, I had virtually nothing. UrbanFiling got me a full surrender value plus interest through IRDAI — I recovered ₹4.2 lakhs."
Insurance Types We Handle
We cover complaints across all major insurance categories — life, health, motor, property, travel, and commercial.
Life Insurance
Term plans, endowment, whole life, money-back, ULIP mis-selling, death claims
Health Insurance
Mediclaim, critical illness, group health, cashless denial, reimbursement disputes
Motor Insurance
Car, two-wheeler, commercial vehicle — accident, theft, total loss, survey disputes
Property Insurance
Home, fire, flood, burglary — property damage claims and undervaluation disputes
Travel Insurance
Trip cancellation, medical abroad, baggage loss, flight delay claim disputes
Commercial / SME
Business interruption, marine cargo, fire & special perils, key-man insurance
Workmen Compensation
Employer liability, workmen compensation, personal accident policy disputes
Crop / Agriculture
PMFBY, weather-based crop insurance — claim rejection and settlement disputes
Simple, Fair Fee Structure
No hidden costs. Pay a small documentation fee upfront — our professional fee is charged only when your case is successfully resolved.
Case Evaluation
No cost to understand your options
- Expert review of your policy & rejection letter
- Identification of legal grounds
- Forum recommendation (Ombudsman / IRDAI / Court)
- Estimated recovery amount
- Success probability assessment
Ombudsman / IRDAI Filing
+ 15–20% of recovered amount as success fee
- Complete complaint drafting & filing
- All document preparation
- Hearing attendance & representation
- Negotiation with insurer
- IRDAI & Ombudsman escalation
- Status updates every 7 days
Consumer Court / Civil
+ success fee based on claim amount
- District / State / National Consumer Forum
- Full advocate representation
- Legal notice to insurer & bank
- Compensation for harassment & mental agony
- Court costs + litigation fees included
- EMI option available for high-value cases
Don't Let Your Insurer Get Away With It
Every day you wait, your case weakens. Complaint timelines are strict — contact us today for a free case evaluation and let our experts tell you exactly what you can recover.
Frequently Asked Questions
Submit Your Insurance Complaint — Free Evaluation
Fill in your details and one of our insurance legal experts will contact you within 2 business hours. No fees at evaluation stage — we review your case completely free.
Free Initial Evaluation
We review your policy, rejection letter, and claim documents at zero cost
Expert Legal Representation
IRDAI, Ombudsman, Consumer Forum, NCDRC — we handle all forums
No Win, No Professional Fee
Our success fee is collected only after you receive your money
Strict Confidentiality
All case details are protected under attorney-client privilege
PAN India Service
Remote + on-ground representation in all major cities of India
Insurance Complaint Form
Complete this form for a detailed case analysis