19 July 2026

TO,
The Grievance Officer / Legal Department
Care Health Insurance
[Registered Office Address]

Subject: LEGAL NOTICE FOR UNJUSTIFIED REJECTION OF INSURANCE CLAIM — POLICY NO. CH-77451-GJ — DEMAND FOR SETTLEMENT

UNDER INSTRUCTIONS FROM AND ON BEHALF OF: Ankit Mehta, [Address] — hereinafter “the Claimant”.

TAKE NOTICE AS FOLLOWS:

1. POLICY DETAILS: Our client holds Insurance Policy No. CH-77451-GJ issued by you, covering the subject matter of insurance. Premium was duly paid and the policy was in force on the date of loss.
2. CLAIM AND REJECTION: Our client duly lodged a claim of ₹1,55,000 under the said policy. By your communication, you have rejected / failed to settle the said claim on the stated ground of: Incomplete documentation.
3. THE REJECTION IS ILLEGAL AND UNSUSTAINABLE:
   1. Under the IRDAI (Protection of Policyholders' Interests and Allied Matters of Insurers) Regulations, 2024, an insurer may call only for documents necessary for the settlement of the claim, and a claim cannot be rejected solely for want of documents. All documents material to the assessment of the claim stand furnished.
   2. The documents now sought by you are either not in the claimant's power and possession or are not necessary for quantification, and the rejection on this ground is contrary to the Regulations and to settled consumer jurisprudence.
4. DEMAND: You are hereby called upon to (a) RECONSIDER and SETTLE the claim for ₹1,55,000 together with interest at 18% per annum from the date of rejection; OR (b) furnish a written, reasoned reply with legal justification within 15 (fifteen) days of receipt of this notice.
5. CONSEQUENCES OF NON-COMPLIANCE: Failing compliance, our client shall be constrained to initiate proceedings before the appropriate forum, including but not limited to the Insurance Ombudsman (Ahmedabad), the District / State Consumer Disputes Redressal Commission and/or civil courts — and shall seek, in addition to the claim amount and interest, compensation for mental agony and harassment, and costs of litigation, entirely at your risk as to costs and consequences.

This notice is issued without prejudice to all rights and remedies available to our client, all of which stand expressly reserved.