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If you feel that there was a lapse or negligence on the part of the insurance provider while processing a proposal, servicing a policy or processing claims, there are many ways to register a complaint against it.

Write to your insurer

Write a complaint and send it with required documents, to the insurer’s grievance redressal officer. You can find the contact details on policy documents and also online or on the website of the Insurance Regulatory and Development Authority (IRDA).

The insurance company is supposed to address the complaint within 15 days of its receipt. If it does not reply, or if the reply that you got is not satisfying, you can lodge a complaint with the IRDA.

Contact IRDA

You can either approach the grievance redressal cell of the consumer affairs department of IRDA by calling on 155255 (or) 1800 4254 732 or via their email ID(complaints[at]irda[dot]gov[dot]in). You can also fill in the complaint registration form available on the IRDA website.

IGMS

You can also use the Integrated Grievance Management System of IRDA through which you can register and monitor the complaint at igms.irda.gov.in. Register by filling up details regarding the issue, and once the complaint is registered, you will be allotted a token reference number.

Ombudsman or civil court

You can also approach the banking ombudsman or file a civil complaint against the insurer before a civil court If you are still not satisfied with your insurance company.

Points to note

  • Before contacting the IRDA, it is important to lodge a complaint with the relevant insurance company.
  • The IGMS system also allows you to amend your complaint midway.
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