Frequently Asked Questions

Everything You Wanted to Ask

अक्सर पूछे जाने वाले प्रश्न

Twelve of the questions our Seva Desk hears most often. Still can\’t find your answer? Call us, WhatsApp us, or drop by our Bhayander office in Mumbai — we are happy to spend the time.

Getting Started

How do I register a complaint with Insurancellello?

Start by submitting your case through our Contact form or by WhatsApp’ing your documents to +91-98XXXX-XXXX. A senior advisor will respond within 24 hours with an initial assessment.

What documents will I need to share?

At minimum: a copy of the policy, the denial letter or short-settlement note, all related medical/repair/loss documents, and identity proof. If documentation is missing we will guide you through obtaining duplicates.

Is my information kept confidential?

Yes. All client data is held under strict client-privilege protocols. We never share details with insurers, third parties or marketing agencies. You may also request anonymised case handling.

Fees & Process

What are your fees?

We work on a success-fee model. You pay nothing upfront. Our fee is a percentage of the amount recovered, agreed in writing before we begin work. No recovery — no fee.

How long does a typical case take?

Average resolution time is 38 days for retail health/motor claims. Complex life claims and ULIP mis-selling cases can take 3-6 months depending on insurer cooperation and Ombudsman queues.

Can you help with claims that were rejected years ago?

Yes — IRDAI permits review of rejected claims for up to three years from the date of rejection. We have successfully reopened cases as old as 2.5 years.

Coverage & Scope

Which types of insurance do you handle?

Health, Life, Motor, Home, Travel, Personal Accident, Critical Illness, ULIPs, Endowment plans, Group Mediclaim (corporate), Property, Marine, Liability and Cyber.

Do you operate in cities other than Mumbai?

Yes. We serve clients across India through digital case handling, with active operations across Delhi-NCR, Mumbai, Bengaluru, Chennai, Hyderabad, Ahmedabad, Kolkata, Pune and Lucknow.

Can NRIs use Insurancellello?

Absolutely. We handle a significant number of NRI cases where the policyholder is overseas but the insurance contract is governed by Indian law. All correspondence can be handled remotely.

Legal & Regulatory

Are you registered with IRDAI?

We are not insurers and do not require IRDAI registration for advisory and grievance-redressal work. We are, however, empanelled to file before the IRDAI Ombudsman and have an active membership with the Insurance Brokers Association of India.

What is the Insurance Ombudsman and when do you use it?

The IRDAI Ombudsman is a free, quasi-judicial body that hears policyholder disputes up to ₹50 lakhs. We escalate to the Ombudsman when the insurer has not resolved a complaint within 30 days of receiving it.

Section 45 of the Insurance Act — what does it mean for my case?

Section 45 prevents an insurer from repudiating a life claim more than three years after the policy was issued, except on grounds of fraud. If your life claim was denied on a policy older than three years, it is often recoverable.

Still Have Questions?

Our Seva Desk advisors are available 9am to 9pm, every day of the week.

Office Address

Pinterest

Social List