If you have a grievance, approach the grievance cell of the insurance company first.
If you are not happy with their solution, you can escalate the matter to IRDAI.
If you are unhappy with your insurance company:
>Approach the Grievance Redressal Officer of its branch or any other office that you deal with. Click here for mail ids of Grievance Redressal Officers, GRO, of all insurance companies.
>Give your complaint in writing along with the necessary support documents.
>Take a written acknowledgement of your complaint with date.
The insurance company should resolve your complaint within a reasonable time.
In case if it is not resolved within 15 days or if you are not happy with their resolution then you can approach the Grievance Redressal Cell of the Consumer Affairs Department of IRDAI
You may also send email to firstname.lastname@example.org
You can also register and monitor your complaint at igms.irda.gov.in
You may send a letter to IRDAI with your complaint:
Click here to download Complaint Registration Form
Fill and send the Complaint Registration Form along with any letter or enclosures, if felt necessary, by post or courier to:
Consumer Affairs Department- Grievance Redressal Cell,
Insurance Regulatory and Development Authority of India(IRDAI),
Sy.No.115/1,Financial District, Nanakramguda,
A harassed insurance policy holder can approach the Insurance Ombudsman within 12 months of the claim being rejected. One can file a complaint for the following:
- You have not received your policy
- There is a dispute regarding premium paid or payable
- Your claim is partially or totally rejected
- There is a dispute regarding terms and conditions of the policy
(the above information is provided from IRDA in the interest of consumers. Please visit www.irda.gov.in / www.policyholder.gov.in for updated information)