B009🏦 Banking & Finance
Health insurance claim delayed beyond 30 days
What you need to know
Under IRDAI regulations, insurers must settle health insurance claims within 30 days of receiving all documents. Delays beyond 30 days attract interest at 2% above bank rate.
Your rights
1
Claim settlement within 30 days of document submission
2
Interest on settlement delayed beyond 30 days
3
IRDAI complaint for delay
4
Insurance Ombudsman complaint
What you should do now
Action first1
Submit complete documents and track the 30-day clock
- Ensure all required documents are submitted — get written acknowledgment with date
- 30-day clock for settlement starts from this date
2
If not settled within 30 days
- File complaint with Insurance Ombudsman — delay beyond 30 days entitles you to interest
Acts applicable
IRDAI Health Insurance Regulations 2016
centralClaim settlement within 30 days of document receipt
Where to complain
Consumer complaint portal: e-jagriti.gov.in (replaced edaakhil.nic.in as of Jan 2025). Labour complaints: col.gujarat.gov.in. All links verified June 2026 via web search against official government sources.