Insurance is the long term contract you enter with Insurance Company. But during that period you may face few service related problems from Insurance Companies. Those may be like-not received your policy, dispute regarding premium paid or payable, delay in claim settlement, claim rejection, or regarding few terms and conditions. In that case it is better to know how you need to approach and what are your rights. Let us discuss about it in detail.
Before proceed let us know the turnaround time provided from IRDA for each type of services.
So as per above table if your Insurance company not resolved your grievance then the next step is to contact Grievance Redressal Officer of your Insurance company of it’s branch or any other branch. Below is the list of official mail ids of life insurance companies. Provided the available non-personal ids only. Hence you may not see few companies in below list.
Below is the list of official mail ids of General Insurance companies. Provided the available non-personal ids only. Hence you may not see few companies in below list.
When you give complaints then dont forget to take the acknowledgement of the same from Insurance Company. Insurance company need to act within 15 days about your complaint. If they not resolved or you are not satisfied then the next step is approach Grievance Redressal Cell of IRDA. You can reach through Toll Free No.155255 or firstname.lastname@example.org. You can also utilise the facility of IRDA “Integrated Grievance Management System (IGMS)” too, which is the tool to track your complaints.
You can send letter to IRDA to the below mentioned address.
Consumer Affairs Department
Insurance Regulatory and Development Authority
3-5-817/818, United India Towers, 9th Floor
Hyderabad – 500 029.
The next step if not resolved is, Insurance Ombudsman/Court/Consumer forum. Govt have created 12 ombudsman in different locations like-Mumbai, Lucknow, Kolkata, Kochi, Hyderabad, Guwahati, Delhi, Chennai, Chandigarh, Bhubaneshwar, Bhopal and Ahmedabad.
But to approach Ombudsman their are certain conditions like maximum limit is 20 lakh, you need to approach within one year of rejection by your insurance company and if the complaint is already lodged with court or consumer forum then you are not eligible to lodge the complaints with Ombudsman.
Hope I made it as simple as possible to grasp the basic function of complaining. I mainly concentrated on Insurance Company and IRDA, thinking your problems may get resolved under these two steps 🙂