Remember,
If this is not the case, find how you can take action by following the steps given below-
Write a complaint letter to the manager of your Insurance company. You can either hand over the letter by visiting the branch office or send it through post.
Check out the sample below, you can use it for reference.
What to do if even after giving the complaint letter the insurance company does not address your issue?
An Insurance Ombudsman is a third party who can help solve your issues. Go to them after 60 days of submitting your Claim Intimation.
You can do this in two ways
Call on their toll free number: 155255 (or) 1800 4254 732 OR
Register complaint on CPGRAMS portal
For registering a complaint on the CPGRAMS portal, follow the steps given below:
Send an email to [email protected]. In the email, include:
Instead of an email, you can send a grievance letter with the same information to the General Manager of IRDAI. Send it to this address:
General Manager Consumer Affairs Department- Grievance Redressal Cell Insurance Regulatory and Development Authority of India(IRDAI) |
Sy.No.115/1, Financial District, Nanakramguda, Gachibowli, Hyderabad-500032 |
Use this model grievance letter, simply fill in your details and send.
Remember that along with the letter you also have to fill and send complaint registration form
Wondering what to do if all the above options fail to solve your issue?
There is one more option you can use.
The insurance company must settle your claim within 30 days. There can be a delay of a maximum of 90 days.
If the company takes longer than this to settle your claim or if you are not satisfied with how much money they pay, you can take some actions.
Follow the steps in this chapter to address your issues with claim settlement.
Let us recall what we learnt so far…