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.