Insurance directory & checker

Why claims fail

• Not enrolled before the cut-off, or the premium was not debited
• Wrong crop, area or survey number, not fixed 2 days before the cut-off
• Loss not reported within 72 hours, or no geo-tagged photos
• Loss from something not covered, such as theft or grazing
• The village's average yield was above the threshold
• Aadhaar and bank account do not match
• Livestock: no ear tag, no post-mortem report, or a late report

If your claim is stuck

1. Helpline 14447 or the insurer's toll-free numberTicket tracked to closure
2. Block grievance officer7 days
3. District Grievance Redressal Committee
4. State Grievance Redressal Committee15 days

Late claims earn you 12% a year from the insurer. For private policies: insurer, then IRDAI Bima Bharosa, then the Insurance Ombudsman.

Helplines