Mumbai, India
info@insurancellello.com
False or undisclosed information, a high-risk profession, an age or medical disclosure that nudged you outside the insurer’s underwriting comfort — insurance proposals get rejected for many reasons, most of them resolvable. A rejection today is not a verdict of “uninsurable forever”.
Insurers reject proposals on grounds of age, pre-existing disease, income mismatch, incorrect form entries, non-disclosure of material facts, hazardous occupation, or general exclusions. Whatever the cause, the insurer is obliged under IRDAI norms to state the specific reason for the rejection in writing — which gives the proposer a clear avenue for rectification, re-underwriting or alternative sourcing.
We start by demanding the formal rejection reasoning. We then map your risk profile to the underwriting appetite of every active insurer in your category — including specialist players who routinely cover risks that mainline insurers decline. Where the rejection was based on a curable factor (incorrect details, missing documents, a controllable medical condition), we re-prepare the proposal and re-submit. Where it was structural, we negotiate with insurers willing to re-underwrite the risk at a loaded premium, or source you a specialist alternative product.
A confidential review of your declined proposal — what triggered the rejection and which of those factors are controllable or curable.
We approach insurers willing to re-underwrite your risk at a loaded premium, often securing acceptance where mainline insurers said no.
For hazardous occupations, pre-existing conditions or postponed-risk cases, we source you to insurers who underwrite your profile as core business.
A cover that suits your unique needs — adequate sum assured, fair premium, no surprises at claim time.
30-minute confidential call. Bring the proposal form, the insurer's rejection letter, and any medical / occupation disclosures.
We profile your risk and map it against the underwriting appetite of every active insurer in your category.
Either a re-prepared proposal to the original insurer, or a fresh proposal to a specialist insurer prepared to underwrite your risk.
You receive a policy schedule with the cover you needed. Our fee is structured on success.
Send us the denial letter or short-settlement note. We will tell you within 48 hours whether — and how — we can recover it.