Grievance Redressal

If you have a grievance, approach the grievance cell of the insurance company first.

First approach the insurer’s Grievance Redressal Mechanism. This is given in your insurance policy document.

If you are not happy with their solution, you can escalate the matter to IRDAI via IGMS (Integrated Grievance management System)

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.

If your complaint falls within the purview of the Insurance Ombudsman, as per the Ombudsman Rule, 2017, you may take up the complaint with the Insurance Ombudsman concerned.

For disputes where enquiry or adjudication are required you should approach the appropriate Legal Forum.