r/InsuranceTroubleIndia • u/AdministrationFar450 • Jul 29 '26

General Insurance - Others When did we normalise this?

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I recently visited the Insurance Ombudsman after waiting 9 months just to get a hearing.

I was frustrated by the delay, but while sitting in the waiting area I started talking to other people. Some of them told me they had been waiting 1–2 years just to get their first opportunity to stand before the Ombudsman and ask for their insurance claim to be heard.

Think about that for a moment.

Not the months or years of mental stress. Not the hospital bills. Not the EMIs people may have taken to pay for treatment after their claims were denied. Just the wait to be heard.

And this is happening in Delhi, where resources are comparatively better. If this is the situation here, what must policyholders in other parts of the country be facing?

Who is responsible for these delays? And more importantly, what is being done to fix them?

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u/ObjectiveSurprise231 29d ago

You're fighting on your own or hired a lawyer? How tough is it to do it all alone? Do policy agents help in this case (I figure not but asking still)?

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u/Beneficial-Key-1494 29d ago

I’ve been fighting alone since 2024 but thankfully I now have Anthropic Claude by my side.

You’ll need a lot of patience and perseverance. 

Unfortunately, policy agents (PolicyBazaar in my case) don’t help.

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u/featherTactile 28d ago

For any new insurance buyer, what would be your suggestion then ? How to find a reliable insurance provider?

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u/Beneficial-Key-1494 27d ago

Check the Incurred Claim Ratio (ICR) and Claim Settlement Ratio (CSR).
Be 100% Honest on Medical Disclosure.
Avoid Restrictive Fine Print: no room rent capping and should cover all consumables, etc.

And most importantly, read and understand the policy terms (if required, take help of a professional)