A Partial Payment Is Not Full Justice
When an insurer settles a claim for less than the entitled amount, most policyholders accept it without question. They assume the insurer is right. They don’t know they can push back. This is exactly what insurance companies count on.
Short settlement is not the same as a fair settlement. Unjustified depreciation, undisclosed co-payment clauses, sub-limits applied incorrectly, and disputed loss valuations are all tactics that reduce your payout without your knowledge or consent.
A Complete Challenge to Your Underpaid Claim
Policy Janch reviews your settlement letter against your policy terms line by line. We calculate the exact gap between what you were paid and what you are entitled to. Where deductions are unjustified, we build a formal case and submit it to the insurer’s grievance cell on your behalf.
- We handle short settlement disputes across health, motor, property, marine, and commercial insurance.
- Every client receives a clear explanation of their shortfall before we proceed, so there are no surprises about what we’re fighting for or why.
Review. Verify. Fix. Protect
01
Share Your Settlement
Send us your settlement letter, policy document, and original claim bills. We assess the gap immediately.
02
Shortfall Analysis
We calculate your rightful entitlement and identify every deduction that is not supported by your policy terms.
03
Formal Dispute Filing
We draft and submit a written dispute to the insurer’s grievance cell, backed by your policy and IRDAI guidelines.
04
Resolve The Issue
If the insurer does not respond fairly, we escalate to IRDAI or the Insurance Ombudsman until the matter is resolved.
Why Choose Policy Janch?
Our team brings years of industry experience and is committed to your best interests. At Policy Janch, education is at the core, we believe an informed customer is a protected customer. We simplify insurance, not just for service, but to educate and empower you at every step.
Make it Your Super Power
When you choose Policy Janch, you’re not just getting one service you’re getting an entire ecosystem designed to simplify your insurance journey. From choosing the right policy, verifying it, fixing past issues, and supporting you at the time of claims, our services work together seamlessly to offer complete protection. Whether you’re an individual or a business, bundling these services gives you the power of clarity, convenience, and confidence.
They Settled. But Did You?
Receiving a payment does not mean receiving the right payment. If something felt off about your settlement, that instinct is worth exploring. One conversation with us could tell you exactly where you stand.
Everything Covered in Our Short Settling Service
A thorough, end-to-end review and dispute service covering your full settlement gap, from identifying unjust deductions to achieving a fair resolution through the insurer, regulator, or Ombudsman.
- We read every line of your settlement document and identify deductions that do not align with your policy terms
- We calculate the exact amount you are entitled to under your policy and IRDAI regulations, so you know the precise gap
- We verify whether depreciation has been applied correctly or inflated beyond what your policy permits
- We check whether co-payment percentages and sub-limits were disclosed in your policy and applied accurately to your claim
- We prepare a detailed, evidence-backed written dispute and submit it to the insurer’s Grievance Redressal Officer on your behalf
- We track the grievance response timeline and follow up proactively so your dispute does not go unanswered
- We advise you on when it is and is not safe to sign a settlement discharge voucher, protecting your right to challenge at every stag
Your Success Story, Our Priority
Discover the real impact of our services. Our clients share their experiences with Policy Janch, highlighting our commitment to customer satisfaction, expert advice, and efficient claim processing. Read their testimonials to see why we’re the preferred choice for insurance service providers.
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Stay Informed, Secure
Your Future.
Navigating the world of insurance can feel overwhelming. At Policy Janch, we believe in empowering you with the knowledge and insights you need to make confident decisions about protecting your most valuable asset. Explore our blog for expert advice, industry updates, and clear explanations.
Got Questions? We've
Got Answers.
How do I know if my insurance claim was short-settled?
Can I challenge a short settlement after I have already received the payment?
What types of insurance does Policy Janch handle for short settlement disputes?
What is claim short settlement in insurance?
Know What You're Owed. Then Claim It.
If your settlement didn't feel right, it may not have been. A review costs you nothing, and knowing the truth is always worth it.
