What we are, and what we are not
Mediclaimswala is an independent claim consultancy. We are not an insurance company, a TPA, an insurance intermediary or a law firm, and we are not affiliated with IRDAI. We help you understand your claim, prepare a representation and follow it up.
No guaranteed outcome
The final decision on any claim rests with the insurer, the grievance cell or the Insurance Ombudsman. We cannot and do not promise that a claim will be approved or that any amount will be recovered. What we commit to is a careful review, a well-prepared case and steady follow-up.
You can act on your own
Policyholders can approach the insurer’s grievance cell, the IRDAI Bima Bharosa portal and the Insurance Ombudsman directly, free of cost. Using our service is your choice.
Fees
Your first case review is free. If you want us to take your case forward, our fee is a percentage of the amount the insurer pays you, usually between 10% and 20% depending on the case. We will tell you the exact percentage in writing before we start. The fee becomes payable only after the settlement amount reaches you, and we will not charge anything that was not agreed.
Your part
- Share accurate information and genuine documents.
- Tell us about any letters or deadlines you receive from the insurer.
- Let us know if you decide to stop or to handle the case yourself.
Communication and privacy
We mainly communicate by WhatsApp and phone. How we handle your information is explained in our privacy policy.
Limitation of liability
We work with reasonable care and skill. We are not responsible for decisions made by insurers, TPAs or other authorities, or for losses caused by information that was incomplete or incorrect when it was given to us.
Law
These terms are governed by the laws of India.
Changes
We may update these terms. The date at the top shows the latest version.