Claims advisory
Review policy wording, rejection grounds and evidence; prepare structured recommendations and escalation briefs.
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.
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 processA formally drafted grievance to the insurer's own redressal officer — with the policy clauses, medical records and precedents your rejection letter ignored.
Escalation to the regulator's grievance portal, putting your case on the insurer's compliance record.
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.
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.
Fill the 2-minute case form or call our claim desk. A specialist hears you out the same day.
FREEPolicy copy, rejection letter, medical or survey records, upload securely, we do the reading.
FREEOur panel assesses merit against policy wording, IRDAI regulations and Ombudsman precedents.
FREEOnly if we accept your case: a one-time registration fee of ₹499. Nothing else until you win.
₹499 ONCEWe escalate rung by rung until settlement. Success fee of 15% + GST, only on money recovered.
15% ON SUCCESSEx-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.
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.
Your dashboard shows exactly where your case stands, which authority, which deadline, which document, with alerts at every movement. No chasing us either.
Can't find your question? Call +91 90447 90516 — a human picks up.
Get a free case reviewFrom 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.
Describe your situation in the case form — our review desk classifies it for you, free.
Start a free case reviewNo retainers. No hourly billing. No surprises. Here is the entire journey of a case at Claim Advisors — including exactly what you pay and when.
Fill the case form or call. A claim specialist calls back within one working day and hears the full history.
FREEPolicy schedule, proposal form, rejection or short-settlement letter, hospital or survey records. Secure upload; bank-grade encryption.
FREEWe test your case against policy wording, IRDAI regulations, Ombudsman awards and court precedents, and tell you honestly if it won't fly.
FREEIf accepted: one-time registration of ₹499 (incl. GST) for you and family policies. That is the only money you pay before recovery.
₹499 ONCEWe 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 SUCCESSEach 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.
Every insurer must respond within 15 days. Our grievance drafts cite the exact clauses and circulars the rejection ignored, many cases settle right here.
The regulator's grievance system. Escalation here creates compliance pressure, insurers report every unresolved complaint to IRDAI.
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.
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.
Consultation, document review and merit assessment cost nothing. If we decline your case, you owe nothing and keep our written assessment.
Payable only after we accept your case. Covers you and your family's policies. Includes GST. This is the only pre-recovery payment, ever.
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.
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.
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.
That's 82.2% of a claim that was headed to ₹0.
Start recovering this amountEvery 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.
We never work for insurers, brokers or agents. One side of the table, always yours.
If a case has no merit, we say so in writing — free. False hope is a cost we refuse to bill.
Success-fee pricing means our revenue is literally your recovery. Incentives, aligned.
Fees, timelines, filings, outcomes — in writing, in your dashboard, from day one.
Join a multidisciplinary team turning policy wording, evidence and regulation into clear outcomes for families across India.
We value precise thinking, plain communication, confidentiality and the patience to follow a case through every escalation level.
Review policy wording, rejection grounds and evidence; prepare structured recommendations and escalation briefs.
Own timelines, document readiness, customer updates and coordination across insurers, experts and redressal forums.
Independent consumer-law advocates and insurance specialists can apply for empanelment subject to credentials and conflict checks.
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.
Share your CV, location, preferred role and a short note on why policyholder advocacy matters to you.
Complete a realistic, anonymised exercise relevant to the role.
Meet the team and discuss judgement, ownership, availability and working style.
Credentials, references and conflicts are checked before appointment or empanelment.
Send your CV and preferred role to care@claimadvisors.in.
Apply by emailWe collaborate with professionals and organisations that can strengthen evidence, access and accountable grievance resolution.
Consumer-law advocates, former claims professionals, medical reviewers, survey specialists and policy analysts may apply to the specialist panel.
Resident associations, employee groups and consumer organisations can establish a responsible referral channel with transparent consent.
Employers and member organisations can arrange policy audits, awareness sessions and structured case intake for eligible members.
Every arrangement is reviewed for conflicts, confidentiality, data minimisation and customer transparency before it goes live.
Partners must disclose conflicts and cannot influence case recommendations for a commercial outcome.
No customer information is shared without a clear purpose and affirmative permission.
Service levels, ownership, confidentiality and escalation routes are agreed in writing.
Panel and referral performance is monitored, with suspension where standards are not met.
Tell us who you serve, the proposed model and the locations or specialties you cover.
Write to the partnerships deskA claim specialist will call you within one working day. Keep your policy documents handy.
Reference: CA-2026-XXXXX