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Ask a third party such as an ombudsman to help with your dispute. File a complaint with your state department of insurance, which regulates insurance activity and insurer compliance with state laws and regulations. Seek arbitration if that is an option in your policy. File a legal claim against the insurer in court.
The Insurance Ombudsman scheme was created by the government of India for individual policyholders to have their complaints settled out of the courts system in a cost-effective, efficient, and impartial way. The Insurance Ombudsman offices are presently widespread across 17 different locations in the country.
File Your Complaint File your complaint by using our online Consumer Complaint Portal. Visit our online Consumer Complaint Portal. Create an account. ... File your complaint by email or by mail. Fill out the Complaint Form as instructed. The preferred and most efficient process is the online complaint process above.
?If an insurance claim is rejected by an insurer or if the claim amount awarded is lower than the expense being sought to be covered under the policy, the aggrieved policyholder is required to first file a complaint with the insurer concerned before approaching an ombudsman.
Registration of Complaints with the IRDAI by Policyholders: Can make use of the Bima Bharosa system - IRDAI Portal at for registering the complaints themselves and to monitor the status of the complaints.
Calling Toll Free Number 155255/1800 425 4732 (i.e. IRDAI Grievance Call Centre) or. Sending an e-mail to complaints@irda.gov.in.
Insurance Regulatory and Development Authority of India (IRDAI) Annual Report 2013-14 shows Life Insurance Corporation of India (LIC) receiving the highest number of complaints at 85,284.