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The Offices of Insurance Ombudsman are under the administrative control of Council for Insurance Ombudsmen (CIO), which has been constituted under the Insurance Ombudsman Rules, 2017.

Office of Insurance Ombudsman is an alternate Grievance Redressal platform which has been setup with an aim to resolve grievances of aggrieved policyholders of all personal lines of insurance, group insurance policies, policies issued to sole proprietorship and micro enterprises, against Insurance Companies and their agents and intermediaries in a cost-effective and impartial manner.

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There are 17 Ombudsman Centres, covering the country, situated in Ahmedabad, Bengaluru, Bhopal, Bhubaneswar, Chandigarh, Chennai, Delhi, Guwahati, Hyderabad, Jaipur, Kochi, Kolkata, Lucknow, Mumbai, Noida, Pune and Patna.

The Insurance Ombudsmen are appointed by the Council for Insurance Ombudsmen in terms of Insurance Ombudsman Rules, 2017 (as amended from time to time) and empowered to receive and consider complaints alleging deficiency in performance required of an insurer (including its agents and intermediaries) or an insurance broker, on any of the following grounds:

  • Delay in settlement of claims.
  • Any partial or total repudiation of claims by the life insurer, general insurer or health insurer.
  • Disputes over premium paid or payable in terms of insurance policy.
  • Misrepresentation of policy terms and conditions at any time in the policy document or policy contract.
  • Legal construction of insurance policies in so far as the dispute relates to claim.
  • Policy servicing related grievances against insurers and their agents and intermediaries.
  • Issuance of life insurance policy, general insurance policy including health insurance policy which is not in conformity with the proposal form submitted by the proposer.
  • Non-issuance of insurance policy after receipt of premium in life insurance and general insurance including health insurance.
  • Any other matter arising from non-observance of or non-adherence to the provisions of any regulations made by the Authority (IRDAI) with regard to protection of policyholders’ interests or regulations, instructions or guidelines issued by the IRDAI or of the of the terms and conditions of the policy contract, insofar as such matter relates to issues referred to the above clauses.

For more information, please visit: Click here

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There are 17 Ombudsman Centres, covering the country, situated in Ahmedabad, Bengaluru, Bhopal, Bhubaneswar, Chandigarh, Chennai, Delhi, Guwahati, Hyderabad, Jaipur, Kochi, Kolkata, Lucknow, Mumbai, Noida, Pune and Patna.

The Insurance Ombudsmen are appointed by the Council for Insurance Ombudsmen in terms of Insurance Ombudsman Rules, 2017 (as amended from time to time) and empowered to receive and consider complaints alleging deficiency in performance required of an insurer (including its agents and intermediaries) or an insurance broker, on any of the following grounds:

  • Delay in settlement of claims.
  • Any partial or total repudiation of claims by the life insurer, general insurer or health insurer.
  • Disputes over premium paid or payable in terms of insurance policy.
  • Misrepresentation of policy terms and conditions at any time in the policy document or policy contract.
  • Legal construction of insurance policies in so far as the dispute relates to claim.
  • Policy servicing related grievances against insurers and their agents and intermediaries.
  • Issuance of life insurance policy, general insurance policy including health insurance policy which is not in conformity with the proposal form submitted by the proposer.
  • Non-issuance of insurance policy after receipt of premium in life insurance and general insurance including health insurance.
  • Any other matter arising from non-observance of or non-adherence to the provisions of any regulations made by the Authority (IRDAI) with regard to protection of policyholders’ interests or regulations, instructions or guidelines issued by the IRDAI or of the of the terms and conditions of the policy contract, insofar as such matter relates to issues referred to the above clauses.

For more information, please visit: Click here

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