How to complain
against an insurance Firm..?
If you feel that
there was a lapse or / negligence on the part of the insurance company in
processing a proposal, servicing a policy or / processing claims, there are
various ways to register a complaint against it with respect to both life &
non- life insurance.
* Write to insurance
Company..!
Send a written
complaint, with supporting documents, to the insurer's grievance redressal
officer, and get an acknowledgement.
Contact details are
available on policy document and websites of the insurer or the Insurance Regulatory
and Development Authority (IRDA).
* The Time limit..!
The insurance company
is required to address the complaint within 15 days of its receipt.
If it does not, or if
you are not satisfied with the response, 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
(complaints@irda.gov.in) or / by calling on 155255 (or) 1800 4254 732, or /
fill in the complaint registration form available on Irda website.
Integrated Grievance
Management System - IGMS..!
You can also use the
Integrated Grievance Management System of IRDA to register & monitor the
complaint (http:www.igms.irda.gov.in). Register by filling out details, and
once the complaint is registered, you will be allotted a token reference
number.
* Ombudsman or /
Civil court
If you are still not
satisfied, you can approach the insurance ombudsman or file a civil complaint
against the insurer before a civil court.
Points to Note..!
Before approaching
the IRDA, it is important to lodge a complaint with the relevant insurance firm.
The IGMS system also
allows the policy holder to amend his complaint midway.
Courtesy:
Centre for Investment Education and Learning
(CIEL).
Contributions by
Girija Gadre and Arti Bhargava and Labdhi Mehta.
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