Well this has become a regular issue with Insurance companies. They follow up so aggresively on renewals and at times of collecting premiums but the claim settlement ratio is a shock with most of the companies.But do not be afraid to fight against these denials thinking that its not worth with su
Mr.Pratyaksh, I would advice you to first try and settle this issue informally by talking to the senior people in the company and even try to meet them and explain your concern with facts on claim rejection.TWrite an email to the senior level people along with facts and follow up verbally and on Emails too ( so that you have the records to their response in written). If the facts you have presented is really true, the approach MAY change.
If you still experience a negative attitute towards your request, FIRST and Foremost submit a written complaint with supporting documents to the Insurer's Grievance Redressal Officer and follow up to get an acknowledgment with them. You can find their contact details on the policy document and also on their websites.
Simultaneously, you can fill the complaint registration form on IRDA Website and can also write to the consumer affairs department of IRDA. You can also find the toll free numbers whereby you can submit your complain and give reference about the already submitted complaint.
But Yes, before approaching IRDA, it is important to lodge a complaint with Cigna TTK first. Also make sure that your complaint is properly explained with relevant dates and supporting documents and facts.
If you still don't get a resolution or if you are not satisfied, you can approach the Insurance Ombudsman OR file a Civil complain against the Insurer in a Civil Court with the help of an experienced Advocate.
Advocate Abhishek Sinha