How to complain against an insurance Company..?

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). http://www.ciel.co.in/#

Contributions by Girija Gadre and Arti Bhargava and Labdhi Mehta.

Addresses of Offices of IRDA

 
Addresses of Offices of IRDA
Head Office :
Insurance Regulatory and Development Authority
3rd Floor, Parisrama Bhavan, Basheer Bagh HYDERABAD 500 004
Telangana State (INDIA )
Ph: (040) 23381100
Fax: (040) 6682 3334
Delhi Office:
Insurance Regulatory and Development Authority
Delhi Office – Gate No. 3
Jeevan Tara Building, First Floor
Sansad Marg, New Delhi-110001
Ph: (011) – 2374 7648
Fax: (011)  2374 7650
For Policy Holder Grievances please refer the following link:



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