Refund Policy

Welcome to Claims360. By availing our services, you agree to the following terms:

1. Nature of Services & Regulatory Position

Claims360 provides independent insurance claim consultancy, advisory, and documentation support services

• We are not an insurance company, broker, agent, or TPAs (Third Party Administrator)

• We operate as a consultancy service provider assisting customers in understanding and managing their insurance claims

• All services are provided in accordance with applicable Indian laws

2. Consultation Fees (Non-Refundable)

All consultation fees paid to Claims360 are strictly non-refundable, as services are considered delivered once:

• Consultation is conducted, or

• Advice / claim evaluation is shared via call, email, or any medium

• This aligns with standard industry practice for professional advisory services

3. Cancellation Policy

• Cancellation allowed up to 24 hours prior to scheduled consultation

• Fees Can be adjusted for future consultation (valid 90 days) if not taken

• No refunds will be issued if consulation booked and not attended

• Cancellation within 24 hours → no refund / no adjustment

4. Duplicate / Excess Payments

• Any duplicate or excess payment will be refunded within 5–7 working days after verification.

• Refund will be processed to the original payment method, as per RBI payment guidelines.

5. Failed Transactions / Technical Errors

If payment is deducted but service is not delivered:

• Customer is eligible for full refund or rescheduling.

• Resolution timeline: 5–7 working days.

6. Outcome Disclaimer 

• Claims360 does not influence or control claim decisions made by insurers

• Claims360 does not gurantee any claim approavl

• Claim approval, rejection, or settlement is governed solely by:

  • Policy terms & conditions

  • Underwriting guidelines

  • Insurer’s internal processes

• Customers retain the right to directly approach::

  • The Insurer

  • The Insurer’s grievance cell

  • The Insurance Ombudsman

  • The IRDAI

• No refund shall be provided for:

  • Claim rejection

  • Lower settlement amount

  • Delays caused by insurer or regulatory processes

7. Customer Responsibility

Customers agree to:

• Provide accurate and complete documentation

• Disclose all material facts related to the claim

• Cooperate during the claim process

Claims360 shall not be responsible for delays or adverse outcomes due to:

• Incomplete information

• Non-disclosure

• Delayed responses from customer

8. No Misrepresentation Policy

Claims360 strictly adheres to ethical practices:

• No false commitments or guarantee of claim approval

• No misleading representation of any association with insurers or IRDAI

• Transparent communication at all stages

9. Exceptional Cases

Refunds outside this policy will be considered only:

• In genuine hardship cases, or

• At the sole discretion of Claims360 management

10. Contact & Grievance Redressal

For refund or complaint-related queries:

📧 Email: care@claim360.in
📞 Phone:

11. Policy Updates

Claims360 reserves the right to modify this policy at any time. Updates will be published on the website and will be effective immediately

Refund & Cancellation Policy