Mumbai, India
info@insurancellello.com
Below are genuine, recent cases — anonymised where requested — drawn from across India. Every story below is verifiable and on record with our compliance team.
“My father’s ₹5,00,000 cardiac claim was rejected over a missing pre-existing-disease declaration. Insurancellello rebuilt the file with hospital records from 2018 and recovered the full amount in 41 days. Without them we would have sold our flat.”
“I was 24 when an agent sold me a ULIP saying it was a ‘tax-saving FD’. By year three I had paid ₹1.8 lakh and the surrender value was ₹78,000. The team here filed a complaint with IRDAI, proved the mis-selling, and got my full premium refunded.”
“After my Innova was written off, the insurer offered ₹4.1 lakh against an IDV of ₹7.8 lakh. Their case officer cited ‘fair market value depreciation’. The Seva Desk countered with comparable listings on three platforms. Settled at ₹7.55 lakh.”
“My husband passed away 11 months after taking a term policy. The insurer denied citing non-disclosure of hypertension. The team built a medical timeline showing the diagnosis came AFTER the policy was issued. ₹75 lakh paid to me as the nominee.”
“A ₹3.2 lakh hospital bill was reimbursed at only ₹1.1 lakh by the TPA quoting ‘reasonable & customary’ caps. The Seva Desk produced PMR rates and CGHS schedules to challenge the cap. Final reimbursement: ₹2.9 lakh.”
“A 19-year-old endowment policy lapsed when I was hospitalised and missed renewal. The insurer refused reinstatement after the grace period. The team escalated to the Ombudsman, citing hardship clause. Policy reinstated without medical re-underwriting.”
Confidential 48-hour case evaluation. No upfront fee. No obligation.