23 Sep 2026 | 5 Mins Read
5 Key IRDAI Rules That Can Impact Your Health Insurance Claim Process
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IRDAI requires insurers to process cashless claims within 1hour for pre-authorisation and three hours for discharge. Reimbursement claims must be settled or rejected within 30 days of receiving complete documents. Insurers cannot seek unnecessary paperwork and must explain rejections. Policyholders can approach the Insurance Ombudsman; claims cannot be contested after 60 months, except for fraud.