4.4 Claim: Process of Payment against Non-Life Insurance Claim and Complaint

The claim's process: 1. The intimation (the immediate notice — the time discipline). 2. The claim form-and-documents (the policy; the invoices; the police-fire reports as the peril requires). 3. The surveyor's appointment — the licensed surveyor's loss assessment (the U7 surveyor's role — the report's evidentiary weight). 4. The insurer's decision (the admission-and-payment or the repudiation-with-reasons). 5. The payment (the indemnity's computation — the depreciation's faces; the excess's deduction). The complaint's routes: the insurer's grievance cell; the Nepal Insurance Authority's complaint machinery; the courts. The prescribed cases (cited verbatim; honest notes): Rameshratna Bajracharya and Others v. Nepal Aushadhi Limited, Babarmahal, Kathmandu (NKP 2079 B.S., Vol. 3, D.No. 10832) and Dr. Pranav Sen v. Jayshree Shyam Suppliers' Proprietor Ashok Kumar Agrawal (NKP 2076 B.S., Vol. 10, D.No. 10731) — recent insurance-and-related claim disputes (read the NKP reports for the precise facts-and-holdings — the honest note applies).