Dear Sir/Madam,
I am filing this complaint regarding the denial of my valid claim for Trip Cancellation & Interruption.
I travelled to the UK under the above policy. The expenses claimed arose from trip interruption, and all losses being claimed occurred after 20 August 2025, which is within the valid policy coverage period (20 Aug 2025 to 30 Sep 2025).
The insurer denied the claim only on the basis that my actual outbound travel began on 14 August 2025, which was earlier than the policy start date. However:
No loss or claim of any kind occurred between 14–20 August 2025.
All claimed expenses were incurred during the active coverage period, not before it.
The date mismatch was a genuine and unintended oversight, not misrepresentation.
I have been willing to pay the additional premium to adjust the policy start date to 14 August 2025.
The insurer refused adjustment, even though the loss occurred while risk was active – which is inconsistent with principles of fairness and natural justice.
I had a very disappointing experience with IndusInd General Insurance (formerly Reliance General) regarding my travel insurance claim.
Although the incident occurred while the policy was active, the company repeatedly asked me to submit the same documents 3–4 times, which unnecessarily delayed the assessment.
At one point, I was informed that a refund of ₹XXXXX had been approved and would be processed within 10 working days, and I was advised of this by their customer service representative Prajakta Mane. However, shortly after that, I was again asked to resubmit documents and the claim was eventually denied, citing reasons that were not consistent with the earlier communication.
The handling of the claim felt unclear and inconsistent, and left me with the impression that the process was being prolonged instead of supported. Based on my experience, I would encourage others to carefully review claim handling practices before purchasing.
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