Insurance Claim Rejected? BDAF LLP Helps 500+ Families Across India
NEW DELHI: For many Indian families, the hardest moment after a hospitalisation or the death of a loved one is not only the loss itself. It is the letter saying the insurance claim has been rejected. Bima Dispute Action Forum (BDAF LLP) was started to stand beside families in exactly that moment.
Founded four years ago by Anil Kumar Vohra, 67, and Shivesh Sehgal, 26, BDAF has helped more than 500 policyholders challenge rejected, delayed and under-settled health and life insurance claims. The founders are 41 years apart in age, but share one belief: no family should have to fight an insurance company alone.
BDAF supports policyholders across India, whichever city or town they live in. Families can take an online video consultation from home, share their policy and rejection letter, and get clear guidance without travelling. For people dealing with illness or bereavement, this makes insurance claim help far more accessible.
Many policyholders pay premiums for years, yet when a claim is filed they face objections over pre-existing conditions, non-disclosure, missing documents or policy wording. A health insurance claim rejection may follow a hospital stay, a cashless denial or a partial settlement, while a life insurance claim dispute often leaves nominees waiting at an already painful time. Most people do not know their rights, and many give up even when their claim may be valid.
The BDAF team reviews the policy and the rejection letter, assesses whether the insurer’s reasons are justified, and drafts grievance letters and formal representations. BDAF also guides families on how to represent their case before the Insurance Ombudsman and other grievance redressal channels. Backing this work is an in-house legal team with vast experience in insurance matters. Every case begins with listening to the family, followed by careful, document-based work. BDAF does not sell insurance; its sole focus is helping policyholders with claim disputes.
The forum handles a wide range of disputes, including cashless hospitalisation denials, reimbursement delays, partial settlements, and life insurance death claims that have been repudiated or left pending. In many cases, the rejection reason is a technical one, such as a disclosure issue or a missing document, that can be addressed with a clear, well-argued representation.
The team brings together deep insurance and legal expertise. Anil Kumar Vohra has vast experience in insurance matters, along with a strong legal background, and is known for his patient, listening-first approach. Shivesh Sehgal is a legal expert in the field of insurance matters, with a drive to simplify the process for ordinary families. Besides the founders, BDAF has a co-founder with vast experience in the field of general and life insurance.
For the founders, the work is about more than paperwork. Many clients arrive worried about hospital debt or the financial future of their family, and the first step is often simply reassuring them that they are not alone and may have more rights than they realise.
“When a family comes to us, they are usually exhausted and have almost given up hope,” said Shivesh Sehgal, founder of BDAF LLP. “A rejection letter feels final to them, but very often it is not. Whether they live in a metro or a small town, they can speak to us online, and we will study the policy and make sure their side is heard properly. Every one of these 500 cases is a real family, and that is what keeps us going.”
Policyholders facing a rejection should keep all policy documents, hospital bills, medical reports and correspondence safe, read the rejection letter carefully and note the exact reason given, respond in writing within the stated time limits, and seek guidance early, since delays can weaken a case. A claim rejection is not always the final word.
BDAF’s belief is simple: insurance should protect families, not leave them stranded.
About BDAF LLP: Bima Dispute Action Forum (BDAF LLP) helps policyholders across India understand and pursue their health and life insurance claim rights, with online video consultations available nationwide. BDAF does not sell insurance products.
Website: www.bdaf.in
Contact Number: 8744030904
