India's policyholder advocacy platform +91 90447 90516 care@claimadvisors.in
POLICYHOLDER ADVOCACY 542+ cases live

Your claim was rejected.
Your case isn't.

Rejected, delayed, short-settled or mis-sold, our insurance experts prepare and drive your grievance from the insurer’s desk to the Ombudsman, and connect you with an independent advocate if it needs to go further. You pay a success fee only when your money comes back.

No upfront charges IRDAI-aligned escalation Pan-India, all insurers
RECOVERED • FOR POLICYHOLDERS •
Recovery Ledger LIVE
0L+ RETURNED TO POLICYHOLDERS
Across life, health, motor & general insurance
Claim Advisors is a policyholder-assistance service, not a law firm or an insurance intermediary.
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Claims resolved
0L+
Claim value recovered
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Insurers Handled
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Acceptance-to-resolution
Does this sound familiar?

Every one of these has a legal remedy.

What we fight

Six grievances. One promise:
we don't stop until it's settled.

LIFE HEALTH TERM MOTOR TRAVEL GENERAL
The escalation ladder

We climb every rung the law gives you, so you don't have to.

Most policyholders give up at the insurer's first "no." Indian insurance law builds a four-level appeal machinery above that no. We know exactly which rung wins which case, and we draft, file and argue at each one.

See the full process

Insurer's Grievance Officer (GRO)

A formally drafted grievance to the insurer's own redressal officer — with the policy clauses, medical records and precedents your rejection letter ignored.

15-day statutory response window

IRDAI — Bima Bharosa

Escalation to the regulator's grievance portal, putting your case on the insurer's compliance record.

Regulator-monitored resolution

Insurance Ombudsman (Bima Lokpal)

Quasi-judicial forum for disputes up to ₹50 lakh. We prepare your complaint and evidence, while you present directly to the Ombudsman with our support behind you.

Awards binding on the insurer

Consumer Commission / Courts

Where the stakes or facts demand it, we connect you with an independent advocate who take the fight to the consumer forums, including interest and compensation for harassment.

Full legal representation
The path to your money

Five steps. Zero risk. Total transparency.

Tell us your story

Fill the 2-minute case form or call our claim desk. A specialist hears you out the same day.

FREE

Share your documents

Policy copy, rejection letter, medical or survey records, upload securely, we do the reading.

FREE

Expert case review

Our panel assesses merit against policy wording, IRDAI regulations and Ombudsman precedents.

FREE

Register your case

Only if we accept your case: a one-time registration fee of ₹499. Nothing else until you win.

₹499 ONCE

We fight. You recover.

We escalate rung by rung until settlement. Success fee of 15% + GST, only on money recovered.

15% ON SUCCESS
Why Claim Advisors

Built with legal rigour.
Priced like a promise.

01

Insurance experts in-house, independent advocates on call

Ex-insurer claim heads read your file the way the insurer does; Our specialists prepare your file; where a forum needs a lawyer, an independent advocate you engage handles the advocacy.

02

Aligned incentives, in writing

No retainer, no hourly billing, no hidden charges. Our fee exists only if your recovery does. Estimate it to the rupee before you begin with our fee calculator.

03

Track every rung, live

Your dashboard shows exactly where your case stands, which authority, which deadline, which document, with alerts at every movement. No chasing us either.

Settled & said

The verdicts that matter most.

"
Straight answers

Ask us anything.
We answer like it's your money — because it is.

Can't find your question? Call +91 90447 90516 — a human picks up.

Get a free case review
One form. One fight. One outcome.

The insurer said no.
Now let's hear what the law says.

Register my complaint Calculate my fee first
Prefer to talk? +91 90447 90516 · Mon–Sat, 9am–7pm
HOME / SERVICES

Every grievance has a remedy.
We know all of them.

From a mis-sold policy disguised as a fixed deposit to a death claim stuck for years — pick your grievance below. Each one comes with a defined escalation strategy, precedent library and a specialist team.

Not sure which one is yours?

Describe your situation in the case form — our review desk classifies it for you, free.

Start a free case review
HOME / HOW IT WORKS

Transparent from the first call to the final rupee.

No retainers. No hourly billing. No surprises. Here is the entire journey of a case at Claim Advisors — including exactly what you pay and when.

Step by step

The five-step journey.

Tell us your story

Fill the case form or call. A claim specialist calls back within one working day and hears the full history.

FREE

Share documents

Policy schedule, proposal form, rejection or short-settlement letter, hospital or survey records. Secure upload; bank-grade encryption.

FREE

Merit assessment

We test your case against policy wording, IRDAI regulations, Ombudsman awards and court precedents, and tell you honestly if it won't fly.

FREE

Case registration

If accepted: one-time registration of ₹499 (incl. GST) for you and family policies. That is the only money you pay before recovery.

₹499 ONCE

Escalate & recover

We draft, file and follow up at every channel that allows it until your money is back. Then, and only then, our success fee applies.

15% ON SUCCESS
Where your case travels

The four rungs of Indian insurance justice.

Each forum has its own limitation periods, document standards and hearing style. Filing at the wrong rung, or filing badly at the right one, is where most self-represented cases die. That's the gap we close.

Grievance Redressal Officer

Every insurer must respond within 15 days. Our grievance drafts cite the exact clauses and circulars the rejection ignored, many cases settle right here.

Level 1 · Insurer

IRDAI Bima Bharosa portal

The regulator's grievance system. Escalation here creates compliance pressure, insurers report every unresolved complaint to IRDAI.

Level 2 · Regulator

Insurance Ombudsman

Free, quasi-judicial, binding on the insurer for claims up to ₹50 lakh. We prepare your Form P-II/P-III, evidence bundle and hearing brief.

Level 3 · Bima Lokpal

Consumer Commission

For high-value or complex disputes, we connect you with an independent advocate who files before the District, State or National Commission on your instructions — with claims for interest and compensation.

Level 4 · Judiciary
The fee, in full

What you pay. Nothing hidden, nothing else.

₹0

Until case acceptance

Consultation, document review and merit assessment cost nothing. If we decline your case, you owe nothing and keep our written assessment.

₹499

One-time registration

Payable only after we accept your case. Covers you and your family's policies. Includes GST. This is the only pre-recovery payment, ever.

15%

Success fee + GST

Charged only on the amount actually recovered. 20% + GST where the matter is won at the legal level. Model it precisely in our fee calculator.

HOME / FEE CALCULATOR

Know your fee before you begin.

Move the slider to your claim amount, pick where the case is likely to resolve, and see exactly what stays in your pocket. No signup needed.

5,00,000
₹50K₹1 CR

Success fee applies only on the amount actually recovered. GST at 18% applies on our fee, not on your recovery. Registration of ₹499 is payable once, after case acceptance.

Amount recovered (assumed full)₹5,00,000
Success fee (15%)₹75,000
GST on fee (18%)₹13,500
One-time registration₹499
You take home₹4,11,001

That's 82.2% of a claim that was headed to ₹0.

Start recovering this amount
HOME / ABOUT US

Insurance was a promise.
We make it keep its word.

Our story

Every year, lakhs of Indian families pay their premiums on time, in good faith, and discover at their worst moment that the promise has fine print. A rejected death claim. A hospital bill short-settled by half. A retirement corpus mis-sold as a "fixed deposit."

Claim Advisors was founded on a simple conviction: the machinery of insurance justice in India — GROs, IRDAI, the Ombudsman, the consumer courts — actually works, if you know how to work it. Most policyholders don't. We do, professionally, at scale, and on terms where we only win when they do.

Our in-house team of former insurer claim heads and certified insurance professionals prepares your case. Where a matter needs a court, we connect you with an independent advocate from a pan-India network, whom you engage directly. Between them, one file gets read three ways: as an underwriter would, as a regulator would, and as a judge would.

Policyholder-only

We never work for insurers, brokers or agents. One side of the table, always yours.

Honest triage

If a case has no merit, we say so in writing — free. False hope is a cost we refuse to bill.

Skin in the game

Success-fee pricing means our revenue is literally your recovery. Incentives, aligned.

Everything documented

Fees, timelines, filings, outcomes — in writing, in your dashboard, from day one.

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Experts & independent advocates
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States & UTs served
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Insurers dealt with
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Have a claim worth fighting for?

Talk to our claim desk
HOME / CAREERS

Build work that puts the policyholder first.

Join a multidisciplinary team turning policy wording, evidence and regulation into clear outcomes for families across India.

Where you can contribute

Serious casework. Human consequences.

We value precise thinking, plain communication, confidentiality and the patience to follow a case through every escalation level.

01

Claims advisory

Review policy wording, rejection grounds and evidence; prepare structured recommendations and escalation briefs.

02

Case operations

Own timelines, document readiness, customer updates and coordination across insurers, experts and redressal forums.

03

Legal and specialist panel

Independent consumer-law advocates and insurance specialists can apply for empanelment subject to credentials and conflict checks.

How hiring works

Evidence before titles.

Applications are reviewed for subject knowledge, written clarity, judgement, customer empathy and role-specific experience. Shortlisted candidates complete a practical case exercise followed by structured interviews.

1. Application review

Share your CV, location, preferred role and a short note on why policyholder advocacy matters to you.

2. Practical assessment

Complete a realistic, anonymised exercise relevant to the role.

3. Structured conversation

Meet the team and discuss judgement, ownership, availability and working style.

4. Verification and offer

Credentials, references and conflicts are checked before appointment or empanelment.

Bring your judgement to the policyholder's side.

Send your CV and preferred role to care@claimadvisors.in.

Apply by email
HOME / PARTNER WITH US

Extend policyholder access without compromising independence.

We collaborate with professionals and organisations that can strengthen evidence, access and accountable grievance resolution.

Partnership pathways

One standard: the policyholder comes first.

01

Advocates and domain experts

Consumer-law advocates, former claims professionals, medical reviewers, survey specialists and policy analysts may apply to the specialist panel.

02

Community and affinity groups

Resident associations, employee groups and consumer organisations can establish a responsible referral channel with transparent consent.

03

Institutional programmes

Employers and member organisations can arrange policy audits, awareness sessions and structured case intake for eligible members.

Operating principles

Clear roles. Recorded consent. No hidden incentives.

Every arrangement is reviewed for conflicts, confidentiality, data minimisation and customer transparency before it goes live.

Policyholder-only alignment

Partners must disclose conflicts and cannot influence case recommendations for a commercial outcome.

Consent-led referrals

No customer information is shared without a clear purpose and affirmative permission.

Documented accountability

Service levels, ownership, confidentiality and escalation routes are agreed in writing.

Quality review

Panel and referral performance is monitored, with suspension where standards are not met.

Start a partnership conversation.

Tell us who you serve, the proposed model and the locations or specialties you cover.

Write to the partnerships desk
HOME / REGISTER COMPLAINT

Two minutes now.
Your money, next.

What happens after you submit
  • Within 1 working day — a claim specialist calls to hear your full story.
  • Free merit review — we assess your documents against policy wording and precedent.
  • Honest verdict — a written go / no-go. You pay ₹499 only if we take the case.
  • Your data stays yours — encrypted in transit and at rest, never sold, DPDP-compliant.
Prefer talking? Call +91 90447 90516 — same free review, zero forms.

Who are we fighting for?

What went wrong?

Claim rejected Claim delayed Paid less than due Mis-sold policy Reimbursement filing Check my policy

Tell us in your own words

Case received. We're on it.

A claim specialist will call you within one working day. Keep your policy documents handy.

Reference: CA-2026-XXXXX
Free case review