Free calculator · No sign-up
Delayed Health Claim Interest Calculator
Insurer slow to pay? Work out how many days it is past the 30-day settlement expectation and the interest at bank rate plus 2% you can ask for in your grievance.
Your claim
Use the date on your acknowledgement, email or portal receipt.
Enter the Bank Rate currently published on rbi.org.in. It changes over time, so for a long delay check the rate that applied.
30-day deadline
24 Sept 2026
75 days since receipt until today
Days past the deadline
45
Delay may support an interest claim.
Interest estimate
Enter the RBI Bank Rate to see the interest.
Which start date applies depends on the regulation text and how your insurer or the Ombudsman reads it. Many people state the larger figure in the grievance and let the insurer respond. Simple interest, no compounding.
What this calculator assumes
Under IRDAI’s policyholder-protection rules an insurer is expected to settle or reject a reimbursement claim within 30 days of the last necessary document, and a late payment without a lawful reason can attract interest at 2% above the bank rate. Cashless requests have shorter limits (1 hour and 3 hours).
This is an estimate for your grievance, not legal advice. Read how to claim it in our guide to delayed claims and interest, and track your other deadlines with the claim deadline calculator.