Business
Critical Illness Claim Rejected? Here’s How You Can Fight Back
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A rejected critical illness claim may not be the final word if the policy clearly covers the condition.
Policyholders can successfully challenge unfair decisions.(Representative Image)
A policyholder recently faced trouble after his/her spouse was diagnosed with a serious brain-related illness. The condition was identified as bacterial meningitis with encephalitis. Believing the illness was covered, the family filed a critical illness claim with their insurer.
However, the insurance company turned down the request. The reason given was that the illness did not fall under the list of covered conditions. This left the family confused and unsure about the next step, especially at a time when medical stress and costs were already high.
Why A Rejected Claim May Still Be Valid
A claim rejection does not always mean the insurer is right. The first step is to read the policy document carefully. Most critical illness plans clearly list the illnesses they cover. In many policies, bacterial meningitis is included, but only if certain medical conditions are met.
In a similar case, a close review of the policy showed that the illness was listed among 32 covered conditions. The medical records also clearly confirmed the diagnosis and seriousness of the disease. When both the policy terms and medical proof match, the rejection can be questioned.
How To Raise The Issue With The Insurer
The next step is to approach the insurer’s grievance team. This means sending a clear written request that explains why the claim should be accepted. It is important to point out the exact policy clauses and attach all medical reports.
In the case mentioned, the policyholder shared hospital records, diagnosis details, and proof of treatment. Despite this, the insurer stuck to its earlier decision and did not provide any new explanation. This is when many people give up, but there is still another option available.
When The Insurance Ombudsman Can Help
If the insurer does not resolve the issue, the policyholder can approach the insurance ombudsman. Filing a complaint here does not cost anything. The ombudsman reviews both the policy terms and the medical evidence.
During the hearing in this case, the policyholder submitted hospital documents and a doctor’s certificate. The records confirmed that the patient had a lasting brain-related problem for over six weeks, which is an important requirement in many critical illness policies. The insurer failed to provide proof to challenge these findings.
What This Case Teaches Policyholders
After reviewing all details, the ombudsman ruled in favour of the policyholder and asked the insurer to pay the claim amount to the nominee. This shows that unfair claim rejections can be overturned if the policy terms are clear and the documents are in order.
It is always wise to read your policy closely, keep complete medical records, and use the grievance and ombudsman process when needed. Many rejected claims can be resolved because the facts and the policy are on the customer’s side.
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December 27, 2025, 09:33 IST
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Toyota Fortuner Legender Beware! MG Majestor unveil tomorrow – Expected price, features and more
2026 MG Majestor: JSW MG Motor India is set to unveil the MG Majestor SUV tomorrow, February 12, 2026. The SUV was first showcased at the 2025 Bharat Mobility Expo. It is based on the Gloster but comes with major updates. MG will position the Majestor above the Gloster as a more premium offering. It is expected to rival the Toyota Fortuner Legender.
Expected price
MG is expected to reveal full details, including features, specifications, and variant options. However, official pricing may come later in March. Pre-bookings are expected to open soon after the unveil. Prices are likely to start from around Rs 40 lakh (ex-showroom).
Expected engine
Under the hood, the Majestor is likely to use a 2.0-litre, four-cylinder turbo-diesel engine. The 4×2 version may produce 163 hp and 375 Nm of torque. The 4×4 version is expected to offer higher outputs of 218 hp and 480 Nm. It may also come with three differential locks. Drivers could get dedicated switches for 2WD, 4WD, and low-range 4WD modes.
D+ segment
MG claims the Majestor will be the longest, widest, and tallest in its segment. The company says it will create a new D+ segment above regular D-segment SUVs in India.
Design
In terms of design, the Majestor will get a bold Matrix-style grille. Falcon-inspired LED daytime running lights and split headlamps add a sharp look. The side profile will feature large 19-inch alloy wheels. At the rear, it is expected to get connected LED taillights and a redesigned bumper for a more modern feel.
Cabin and features
Interior details are still under wraps. However, the SUV is likely to offer dual-tone upholstery, a fully digital instrument cluster, and a larger floating touchscreen. Other expected features include a wireless charger, panoramic sunroof, Level 2 ADAS, three-zone climate control, and powered, ventilated, and heated front seats.
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The government has officially launched the 8th Pay Commission website after forming the commission.
It is inviting suggestions from ministries, employees and pensioners. (Representative Image)
The government has opened a fresh window for central government employees and pensioners to share their views on salaries, pensions, and allowances. With a new official portal now live, people linked to government service are closely watching how this process may shape future pay revisions.
The move has generated interest among serving employees, retirees, and various stakeholders who could be impacted by the 8th Pay Commission’s recommendations. Many are now keen to understand who can participate and how they can submit their inputs.
Government Launches 8th Pay Commission Website
A dedicated website for the 8th Pay Commission, https://8cpc.gov.in/, has been launched after the commission was formally constituted. Through this platform, the panel is now inviting feedback from ministries, departments, government employees, pensioners, and other concerned groups.
According to the website, the 8th Central Pay Commission is seeking opinions and inputs to help it make better-informed decisions. To collect responses in a structured way, an online questionnaire with 18 questions has been made available on the MyGov portal.
The website states: “The 8th Central Pay Commission solicits views/opinions/inputs for being better informed. These inputs are being sought in a structured manner through a Questionnaire with 18 questions hosted on the MyGov.in web portal.”
It has also been assured that respondents’ identities will remain confidential. According to the website, all responses will be analysed collectively and no individual name will be disclosed.
Who Can Send Suggestions
According to the website, suggestions have been invited from a broad group of people and institutions linked to government service. This includes employees of central ministries and departments, staff from Union Territories, judicial officers, court officials, and members of regulatory bodies.
Employee unions, retired government staff, pensioners, researchers, academicians, and individual citizens can also share their views. Authorised or nominated nodal officers from ministries, departments, and government offices are also eligible to submit inputs.
Deadline To Submit Responses
The last date to send feedback to the 8th Pay Commission is March 16. After this, the survey will no longer accept submissions.
How To Send Feedback
Those wishing to submit their suggestions must do so through the MyGov link:
The government has clearly stated that only online responses through the MyGov portal will be accepted. “All responses should be through the MyGov portal. Paper based physical response, emails or pdf response are not being considered by the Commission,” according to the website.
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Delhi, India, India
February 11, 2026, 18:22 IST
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