Redress your grievance

Approach the company
If you have a complaint against a company, the first step is to contact its customer care service.

• Go through the statement document of your policy and highlight the exclusions that relate to your denied claim.
• Gather all documents such as claim denial notices and billing statements before speaking to a representative.
• Document all calls, noting down the dates and time, names of representatives and the result of your talk.
• Ask for a date by when your claim is likely to be resolved. Call if no solution has been provided by this date.

Insurance Ombudsman
Your policy document has information about the ombudsman in whose jurisdiction the insurer's office falls.

When to approach the ombudsman

• You can write to the ombudsman only after you have lodged a complaint with the insurer and do not receive a satisfactory reply within a month, or if the company rejects your complaint.
• Your complaint should be filed within a year of the insurer's reply and should not be pending before a court, consumer forum or an arbitrator.

Steps to resolve the issue

• The ombudsman will make recommendations within a month and send copies to you as well as the insurance company. If you accept the recommendations, you will have to send a letter within 15 days.
• The ombudsman will take a decision within three months from the receipt of the complaint, which is binding on the insurance companies.
• If you are not satisfied with the decision, you can approach other avenues, such as a court or consumer forum, for redressal.

Irda as a facilitator
The Insurance Regulatory and Development Authority takes up complaints with the insurers.

• You can approach the grievance cell of Irda regarding cases of delay/non-response on matters relating to policies and claims.
• You can also fill up a complaint registration form on Irda's Website, www.irdaindia.org.

Whom to contact
Irda

For private insurers
E-mail: nonlifecomplaints.pvt@irda.gov.in

For public sector insurers
E-mail: nonlifecomplaints.psu@irda.gov.in

Parishrama Bhawanam, 5-9-58/B, Basheerbagh, Hyderabad-500004 | Tel: 040-23240034, 23381248

Insurance Ombudsman
Office of the Ombudsman

Ahmedabad
2nd Floor, Ambica House, Near C.U. Shah College, Ashram Road, Ahmedabad-380014
Tel: 079-27546840 | Fax: 079-27546142 | E-mail: ins.omb@rediffmail.com

Areas of jurisdiction
Gujarat, Dadra and Nagar Haveli, Daman and Diu

Bhopal
Janak Vihar Complex, 2nd Floor, 6, Malviya Nagar, Opp Airtel, Near New Market, Bhopal-462023
Tel: 0755-2569201 | Fax: 0755-2769203 | E-mail: bimalokpalbhopal@airtelmail.in

Areas of jurisdiction
Madhya Pradesh, Chhattisgarh

Bhubaneswar
62, Forest Park, Bhubaneswar-751009
Tel: 0674-2596455 | Fax: 0674-2596429 | E-mail: ioobbsr@dataone.in

Areas of jurisdiction
Orissa

Chandigarh
S.C.O. No. 101-103, 2nd Floor, Batra Building, Sector 17-D, Chandigarh-160017
Tel: 0172-2706468 | Fax: 0172-2708274 | E-mail: ombchd@yahoo.co.in

Areas of jurisdiction
Punjab, Haryana, Himachal Pradesh, Jammu and Kashmir, Chandigarh

Chennai
Fathima Akhtar Court, 4th Floor, 453 (old 312), Anna Salai, Teynampet, Chennai-600018
Tel: 044-24333668/5284 | Fax: 044-24333664 | E-mail: insombud@md4.vsnl.net.in

Areas of jurisdiction
Tamil Nadu, Puducherry

New Delhi
2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi-110002
Tel: 011-23239633 | Fax: 011-23230858 | E-mail: iobdelraj@rediffmail.com

Areas of jurisdiction
Delhi, Rajasthan

Guwahati
Jeevan Nivesh, 5th Floor, Near Panbazar Overbridge, S.S. Road, Guwahati-781001
Tel: 0361-2132204/5 | Fax: 0361-2732937 | E-mail: ombudsmanghy@rediffmail.com

Areas of jurisdiction
Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland, Tripura

Hyderabad
6-2-46, 1st Floor, Moin Court, A.C. Guards, Lakdi-Ka-Pool, Hyderabad-500004
Tel: 040-65504123 | Fax: 040-23376599 | E-mail: insombudhyd@gmail.com

Areas of jurisdiction
Andhra Pradesh, Karnataka, Yanam (Part of Puducherry)

Ernakulam
2nd Floor, CC 27/2603, Pulinat Building, Opp Cochin Shipyard, M.G. Road, Ernakulam-682015
Tel: 0484-2358759 | Fax: 0484-2359336 | E-mail: iokochi@asianetindia.com

Areas of jurisdiction
Kerala, Lakshadweep, Mahe (Part of Puducherry)

Kolkata
North British Building, 29, N.S. Road, 4th Floor, Kolkata-700001
Tel: 033-22134866 | Fax: 033-22134868 | E-mail: iombkol@vsnl.net

Areas of jurisdiction
West Bengal, Bihar, Jharkhand, Andaman and Nicobar Islands, Sikkim

Lucknow
Jeevan Bhawan, Phase-2, 6th Floor, Nawal Kishore Road, Hazaratganj, Lucknow-226001
Tel: 0522-2231331 | Fax: 0522-2231310 | E-mail: insombudsman@rediffmail.com

Areas of jurisdiction
Uttar Pradesh, Uttaranchal

Mumbai
3rd Floor, Jeevan Seva Annexe, S.V. Road, Santacruz (W), Mumbai-400054
Tel: 022-26106928 | Fax: 022-26106052 | E-mail: ombudsmanmumbai@gmail.com

Areas of jurisdiction
Maharashtra