Escalation to Insurance Regulatory and Development Authority (IRDAI): If the Complainant does not receive a response
from the Insurer within a reasonable period of time or are dissatisfied with the response of the Company, they may approach the Grievance Redressal Cell in the Policyholder's Protection & Grievance Redressal Department of the IRDAI.
Only complaints from the insured or the claimants shall be entertained. The Cell shall not entertain complaints written on behalf of policyholders by advocates or agents or by any third parties.
Complainants are required to submit complete details of the complaint as required in the complaint registration form put on the IRDAI website below
http://www.policyholder.gov.in. Click here to download the Complaint Registration Form. Without the required information called for in the Complaint Registration Form, IRDAI will not be in a position to register the complaint.
Registration of Complaints with the IRDAI by Policyholders:- Make use of the Bima Bharosa system – IRDAI Portal at https://bimabharosa.irdai.gov.in/ for registering the complaints themselves and to monitor the status of the complaints
- Send the complaint through Email to [email protected]
- Call Toll Free No. 155255 or 1800 4254 732
- If it is felt necessary by the complainant to send the communication in physical form, the same may be sent to IRDAI addressed to:
General Manager Insurance Regulatory and Development Authority of India (IRDAI) Policyholder's Protection & Grievance Redressal Department & Grievance Redressal Cell. Sy.No.115/1, Financial District, Nanakramguda, Gachibowli, Hyderabad - 500 032Escalation to Ombudsman:Alternatively, any person who has either not received any reply within a period of 1 month of his/ her Complaint to Insurer/ Intermediary or is not satisfied with their response may escalate the matter to Ombudsman.
The office of Insurance Ombudsman is mandated to resolve all complaints pertaining to policies issued on personal lines of insurance, group insurance policies, policies issued to sole proprietorship and micro enterprises. The Complaint can be registered by the policyholder himself or through his legal heirs, nominee or assignee, within the defined territorial jurisdiction. Complaints can be made in writing or through electronic mail or online through the online platform developed by the Council of Insurance Ombudsmen through the website.Complete details can be viewed through website
www.cioins.co.in.