First approach the insurer’s Grievance Redressal Mechanism. This is given in your insurance policy document.
If the complaint is not fully attended to by the Insurer within 15 days of lodging it, please use IGMS for escalating the complaint to IRDA. The Integrated Grievance Management System (IGMS) is an online consumer complaints registration system created by IRDA. All insurance companies have integrated their online complaint logging systems to the IGMS maintained by IRDA. Policyholders can register their complaints online with their insurance company and track the progress of complaint resolution. IRDA monitors the complaints and their progress in real-time through IGMS.