Send a written complaint, with supporting documents, to the insurer’s grievance redressal officer, and get an acknowledgement. Contact details are available on policy document and web sites of the insurer or the Insurance Regulatory and Development Authority (Irda).
The insurance company is required to address the complaint within 15 days of its receipt. If it doesn’t, or if you are not satisfied with the response, you can lodge a complaint with the Irda.
You can either approach the grievance redressal cell of the consumer affairs department of Irda (complaints@irda. gov.in) or by calling on 155255 (or) [deleted], or fill in the complaint registration form available on Irda website.
You can also use the Integrated Grievance Management System of Irda to register and monitor the complaint at igms.irda.gov.in. Register by filling out details, and once the complaint is registered, you will be allotted a token reference number.
Ombudsman or civil court
If you are still not satisfied, you can approach the insurance ombudsman or file a civil complaint against the insurer before a civil court.
Points to note
Before approaching the Irda, it is important to lodge a complaint with the relevant insurance company