Samadhan Sarathi

Bima Samadhan Blog

Real insurance claim fights, court rulings and how policyholders won.

Health insurance

Weaponizing Past Injuries: How Niva Bupa Shockingly Denied a ₹2.13 Lakh Surgery Claim

11 Jul 2026 · 4 min read
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LIC

LIC Ordered to Pay ₹1 Crore with Interest After Claim Repudiation Declared Unjust by NCDRC

Policyholder wonNCDRC
₹1 Crore25 Sep 2025
HDFC Life

NCDRC Orders HDFC Life to Pay ₹20 Lakh, Says Insurer Failed to Prove Misrepresentation

Policyholder wonNCDRC
₹20 Lakh20 Sep 2025
Bharti AXA

After 8 Years of Struggle, Family Wins ₹25 Lakh Claim Battle Against Bharti AXA Life — Justice at Last!

Policyholder won
₹25 Lakh22 Aug 2025
Star Health

Star Health’s Misleading Denial of Restoration Benefit Leaves Policyholder in Financial Distress

Health insurance
4 min read03 Jul 2025
National Insurance

PMSBY Delay Nightmare: How State Bank of India and National Insurance Left a Grieving Family Stranded

Guides
4 min read26 Jun 2025
LIC

Justice Delivered: NCDRC Directs Max Life to Pay ₹25 Lakh, Ruling Unclear Insurance Terms Must Benefit Policyholder in Landmark Case

Policyholder wonNCDRC
₹25 Lakh24 Jun 2025

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Won in court

Court and Ombudsman rulings

More rulings
PNB MetLife

NCDRC Rejects PNB MetLife’s Flimsy Claims, Awards ₹14.2 Lakh to Grieving Wife!

Policyholder wonNCDRC
₹14.2 Lakh21 Jun 2025
Birla Sun Life

Claimant Wins ₹21 Lakh Against Birla Sun Life: Court Rules Insurer Failed to Prove Husband’s Awareness of Health Issues!

Policyholder wonCourt
₹21 Lakh20 Jun 2025
ICICI Lombard

Grieving Wife’s Brave Fight Wins ₹3 Crore Victory Against ICICI Lombard!

Policyholder won
₹3 Crore31 May 2025
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