If you are not satisfied with your insurance provider be it regarding false information or issues regarding claims one can raise a complaint on the same. Many individuals instead of raising a complaint they just change their policies even if they have to pay their premium twice.

Before raising a complaint on the agent or the insurer, try to solve the matter by talking to them or through an informal way.

The Insurance regulator of India has set up a separate grievance to address the matter.

How to Make Complaint on Insurance Company or Agent?

The policy holder has to approach the Grievance Redressal Officer of its branch. As per the rule, every insurer should have Grievance Redressal Officers, GRO, in all insurance companies.

Give a complaint in writing along with the necessary support documents and collect the acknowledgement of your complaint with the date.

The insurance company should deal with your complaint within 15 days.

If the insurer fails to reply then you can 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 [email protected]

One can make use of the Integrated Grievance Management System. For that one have to register and monitor your complaint at www.igms.irda.gov.in

Or one can send a letter or fax to IRDA with your complaint:

• Download Complaint Registration Form
• Fill and send by post or courier to:
• Consumer Affairs Department
• Insurance Regulatory and Development Authority

3-5-817/818, United India Towers, 9th Floor
Hyderguda, Basheerbagh
Hyderabad - 500 029
Or Fax to
040-66789768

Conclusion

If the issue is not solved, or not resolved to your satisfaction one can take the matter to Ombudsman.

The insurance Ombudsman scheme was created by Government of India for individual policyholders to have their complaints settled out of the courts system in a cost-effective, efficient and impartial way.

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