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When and How to file Complaint at Insurance Ombudsman ?

Council for Insurance Ombudsmen

Before you submit your grievance to Insurance Ombudsman:

  • You should have made a complaint to Insurance Company/Insurance Broker
  • Insurance Company/Insurance Broker has failed to furnish reply to you within a period of one month of your complaint;
    OR You are not satisfied with the response given by Insurance Company/Insurance Broker
  • The complaint is being made to the Insurance Ombudsman within one year from
    (a) Date of rejection of the complaint by the Insurance Company/Insurance Broker
    OR(b) Expiry of one month of filing the complaint if the Insurer fails to reply
  • The amount of Compensation sought in Insurance Ombudsman should not exceed Rs. 50 Lakhs.

The Offices of Insurance Ombudsman are under the administrative control of Council for Insurance Ombudsmen (CIO), which has been constituted under the Insurance Ombudsman Rules, 2017.

Office of Insurance Ombudsman is an alternate Grievance Redressal platform which has been setup with an aim to resolve grievances of aggrieved policyholders against Insurance Companies and its Intermediaries or Insurance Brokers in a speedy and cost-effective manner.

Ways to submit/lodge the complaint

  • Onlineclick here for registering
  • Offline : a) using email, b) via post or c) walk-in to Insurance Ombudsman Office (click here for details) of centres, email id, address and jurisdiction.
  • For tracking your complaint click here
  • Introduction
  • Office of Insurance Ombudsman, which has been constituted under the Insurance Ombudsman Rules, 2017, is an alternate Grievance Redressal platform which has been setup with an aim to resolve grievances of aggrieved policyholders against Insurance Companies and its Intermediaries or Insurance Brokers in a speedy and cost-effective manner. The Offices of Insurance Ombudsman are under the administrative control of Council for Insurance Ombudsmen (CIO).
  • How to approach Insurance Ombudsman:
  • Any aggrieved policyholder who has been issued a policy on personal lines of business, may either himself or through his legal heirs or nominee or assignee may register a complaint with the Office of Insurance Ombudsman either online or through written communication through e-mail or letter.
  • Impartial and timely disposal:
  • After receipt of all requirements, Insurance Ombudsman shall dispose of the complaint by way of an award within a period of three months and such decision shall be binding on the Insurance Companies and it’s Intermediaries or Insurance Brokers as the case may be.
  • To know more about us, kindly refer to FAQ section on our website.
  •  Insurance Ombudsmen are appointed by the Council for Insurance Ombudsmen and are empowered to receive and consider complaints alleging deficiency in
    performance required of an insurer (including its agents and intermediaries) or an insurance broker on any of the following:
  • Read More…
  •  Highlights of Institution of Insurance Ombudsman:
  • 17 Ombudsman Centres, covering the country, established in Ahmedabad,Read More…

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