Grievance Management

If one is unhappy with the insurance company procedures or claim settlement, one can

• Approach Insurer' s Grievance Redressal Officer (GRO) of its branch or any other office that one deals with. 
• Approach Insurance Ombudsman  
• Approach the Grievance Redressal Cell of the Consumer Affairs Department of IRDA
• Call Toll Free Number 155255  (or) 1800 4254 732 or
• Send an e-mail to complaints@irda.gov.in

• Approach the Grievance Redressal Officer (GRO) of its branch or any other office that one deals with. 
• All formal mail IDs of Grievance Redressal Officers, GRO, of all insurance companies is made available in IRDAI portal-  https://irdai.gov.in/list-of-gros 
• Complaint in writing along with the necessary support documents.
• Written acknowledgement of complaint date to be obtained.

Complaint is to be lodged with the Insurance Ombudsman under whose territorial jurisdiction the insurer’s office falls, at the address provided in website / insurer communication which includes policy document.

Policyholders can approach the Ombudsman with complaint if:

He has first approached your insurance company with the complaint and

• they have rejected it
• not resolved it to your satisfaction or not responded to it at all for 30 days.
• complaint pertains to any policy you have taken in your capacity as an individual and
• the value of the claim including expenses claimed is not above Rs 20 lakhs. 
•  please visit:   https://www.cioins.co.in/Ombudsman. 

The policyholder is unhappy with the solution GRO, he can approach the Grievance Redressal Cell of the Consumer Affairs Department of IRDA:

• Make use of the Integrated Grievance  Management System:
• Login to https://bimabharosa.irdai.gov.in/
• Call Toll Free Number 155255  (or) 1800 4254 732 or
• Send an e-mail to complaints@irda.gov.in
• Register and monitor your complaint at igms.irda.gov.in