Insurance Ombudsman

Insurance Ombudsman offices in India

All 18 Insurance Ombudsman (Bima Lokpal) offices in India: postal address, phone, email, the areas each covers, and what each handled in FY 2024-25 from the Council's own annual report. Filing is free.

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18
Offices
53,102
Complaints received
FY 2024-25
48,898
Complaints disposed
FY 2024-25
81.5%
Closed within 3 months of registration
FY 2024-25
हिन्दीमराठीગુજરાતી

Reviewed by the BimaHaq Insurance Grievance Desk — BimaHaq's in-house insurance-grievance team — specialists in IRDAI grievance redressal, the Insurance Ombudsman process, and policyholder rights in India. · Last reviewed 2026-08-31

Insurance Ombudsman offices

All offices, A to Z

Every office's page carries its full address, phone and email, the districts it covers and its year in numbers.

Where the Ombudsman sits in your escalation

  1. Write to the insurer first

    You must first put your grievance to the insurer or broker in writing. Only then can you approach the Ombudsman — and only if they rejected it, replied in a way you are not satisfied with, or did not reply within one month of receiving it.

  2. Then the Ombudsman — free, within one year

    You then have one year — but the date it runs from depends on what the insurer did. If they rejected your representation, or replied in a way you were not satisfied with, the year runs from the date you RECEIVED that rejection or decision. If they never replied at all, it runs from one month after the date you SENT the representation — roughly thirteen months from sending. The Ombudsman can condone a late complaint, but that is discretionary, the insurer is heard first, and the complaint then counts as filed on the date the delay is condoned — so it is not something to rely on.

  3. Consumer commission — filing there first closes the Ombudsman route

    Under Rule 14(5) of the Insurance Ombudsman Rules, 2017, the Ombudsman cannot take up a complaint on the same subject matter that is pending before — or has already been decided by — any court, consumer forum, or arbitrator. Filing a consumer case first closes the Ombudsman route for that dispute permanently, so approach the Ombudsman before the Consumer Commission, never after.

Prepare your complaint
FY 2024-25

What all 18 offices handled in FY 2024-25

From the Council for Insurance Ombudsmen's own annual report — the year's complaints, how they were closed and what they were about.

53,102
Complaints received
48,898
Complaints disposed
11,406
Still open at the end of the year
81.5%
Closed within 3 months of registration

How the complaints were closed

Of everything disposed of during the year, how each complaint ended.

  • Settled by recommendation (mediation)15,19131.07%
  • Award in favour of the complainant9,23418.88%
  • Award in favour of the insurer8,93718.28%
  • Withdrawn5,88312.03%
  • Not entertainable9,65319.74%

By type of insurance

  • Life insurance29.06%
    15,431 Received15,088 Disposed
  • General insurance9.45%
    5,016 Received4,654 Disposed
  • Health insurance61.49%
    32,655 Received29,156 Disposed

What people complained about

The complaints taken up, by the ground in Rule 13(1) of the Insurance Ombudsman Rules, 2017 they were filed under.

  1. Claim rejected in full or in part 13(1)(b)31,34872.26%
  2. Policy terms misrepresented 13(1)(d)7,57517.46%
  3. Dispute over premium paid or payable 13(1)(c)2,1034.85%
  4. Policy servicing grievance 13(1)(f)1,2852.96%
  5. Delay in settling the claim 13(1)(a)7641.76%
  6. Any other breach of the Insurance Act, IRDAI regulations or the policy terms 13(1)(i)890.21%

Complaints that could not be taken up

9,382

A complaint is turned away before it is heard when it falls outside the Insurance Ombudsman Rules, 2017. The reasons recorded across all offices:

  1. Insurer not approached first 14(3)(a)3,00232%
  2. Not within this office's jurisdiction 14(1)2,94731.41%
  3. Outside the grounds in Rule 13(1) 13(1)2,50826.73%
  4. Not brought to the Ombudsman within the one-year window 14(3)(b)8459.01%
  5. Already before a court or forum 14(5)800.85%

How the offices worked

44%
Registered online
76%
Hearings held online
₹291.43 crore
Recommendations and awards in favour of complainants
30,269 complaints

Source: Council for Insurance Ombudsmen, Annual Report 2024-25 — printed pages 34, 36, 38, 40, 49, 57, 69 and 70, and the Secretary General's preface. Every figure is as printed. Annual Report 2024-25 (PDF)

These figures describe workload — how many complaints came in and how they were disposed of. They say nothing about the prospects of any individual complaint, and they are not a reason to prefer one office over another: which office has jurisdiction is determined by Rule 14(1) — where you live or where the insurer's branch is — never by these figures.

Official sources

BimaHaq is not the Insurance Ombudsman and is not affiliated with it or with the Council for Insurance Ombudsmen. This page reproduces each office's published contact details and the Council's own published statistics so you can approach the right office directly, free, yourself. BimaHaq is a private platform that separately offers paid help preparing a complaint; you never need it to file.

Last reviewed: 2026-08-31

This guide is general information about the insurance-grievance process in India, not legal advice, and figures (timelines, monetary limits, jurisdiction) can change — verify against the official sources linked above before you rely on them.

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