Because what you don’t know can cost you your entire claim.
⚠️ Filing a Claim Without Understanding Your Policy Is Risky
You’ve been paying premiums for months—maybe years.
Now something’s gone wrong. A medical emergency. An accident. A business disruption.
You file a claim and expect the process to work.
But here’s what happens too often:
❌ The claim is denied.
❌ You’re told you violated a clause you didn’t know existed.
❌ The payout is reduced by 50% or more, citing “technical exclusions.”
❌ Your paperwork is “incomplete” and delayed indefinitely.
It’s not your fault. Most insurance policies are written to confuse, not clarify.
That’s why having an expert review your policy before you file a claim isn’t just helpful—it’s essential.
🧠 What an iClaimSupport Policy Review Uncovers
We don’t just read your policy—we decode it. We look for what matters before the insurer uses it against you:
🔍 Hidden exclusions — What’s not covered (often in fine print)
🔍 Sub-limits — Caps on certain types of payouts like ICU beds or diagnostics
🔍 Disclosure traps — Common non-disclosure issues that insurers use to reject claims
🔍 Documentation pitfalls — What you need to prove before they’ll approve
🔍 Ambiguous language — Vague clauses that allow “interpretation” (often against you)
🔍 Pre-existing conditions & waiting periods — How and when they apply
🔍 Claim filing timelines — Miss this, and your claim can be legally void
💡 Real-World Example: Why Pre-Claim Review Matters
Scenario:
A client was about to file a ₹4.7 lakh hospitalisation claim for cardiac surgery. He was confident it would be approved.
What We Found in Our Policy Review:
- ICU charges were capped at ₹3,000/day, not actual expenses
- Surgery costs exceeded sub-limit for the type of procedure
- Policy required a pre-authorization letter that was missing
What We Did:
✔ Helped gather documentation & file a pre-authorization retroactively
✔ Framed the claim around allowable sub-limits
✔ Submitted it in a way that was compliant but strategic
Result: ✅ Claim approved at ₹4.5 lakh within 12 working days.
Had the client filed without our review, most of the claim would’ve been denied or delayed.
👨⚖️ Why Policy Review by a Lawyer Isn’t Enough
Most lawyers can read a contract—but insurance policies are a different language. They require:
- Interpretation within insurance law
- Experience in how insurers respond
- Understanding IRDAI regulations and consumer court precedents
At iClaimSupport, our team combines minds with ex-claims professionals. We know how the other side thinks.
💬 When Should You Get a Policy Review?
✅ Before filing a high-value claim (medical, motor, commercial)
✅ When a claim is time-sensitive
✅ If you’re unsure what’s covered
✅ When you suspect a clause may block your claim
✅ After a partial settlement offer from your insurer
🚀 It’s Fast, Free & Could Save You Lakhs
A policy review from iClaimSupport can:
- Increase your chance of full claim approval
- Prevent avoidable rejections or delays
- Give you a clear, confident filing strategy
- Save you hassle later
