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A Complaint Letter To Insurance Company For Claim Rejection is a crucial document used when an insurance provider in Nigeria has denied a claim and the policyholder wishes to challenge this decision. This document is structured according to Nigerian insurance regulations and typically follows the rejection of any type of insurance claim - whether property, health, life, or general insurance. It must reference specific sections of the Insurance Act 2003 and NAICOM guidelines where applicable, and should be written in a way that presents a clear case for claim reconsideration. The letter serves multiple purposes: it formally documents the policyholder's disagreement with the rejection, presents counter-arguments and evidence, and establishes a paper trail for potential escalation to NAICOM or legal proceedings. It's particularly important in the Nigerian context where insurance dispute resolution often begins with formal written complaints before proceeding to regulatory intervention or litigation.

1. Sender's Details: Full name, address, policy number, and contact information of the complainant

2. Recipient's Details: Insurance company's name, address, department, and if possible, specific contact person

3. Subject Line: Clear reference to the claim number and rejection

4. Reference Information: Policy number, claim number, and date of claim rejection

5. Claim Background: Brief description of the original claim and incident details

6. Rejection Details: Summary of the company's reasons for rejection

7. Counter Arguments: Point-by-point response to the rejection reasons with supporting evidence

8. Request for Review: Clear statement of what action you want the insurance company to take

9. Closing: Professional closing with timeline for expected response and contact information