Take Your Insurer to the Ombudsman. We Will Build the File.
Free, and binding on the insurer. The Ombudsman must pass its award within three months of receiving everything it needs, and awards are capped at ₹50 lakh.
There are 18 Ombudsman offices across India. The service is free. The orders are binding on the insurer, and the Ombudsman can award up to ₹50 lakh — a cap on the award rather than the claim. It must pass its award within three months of receiving everything it needs from you (Rule 17(4) of the Insurance Ombudsman Rules, 2017).
To file, you need to first complete the grievance loop with your insurer. Send a grievance letter to its Grievance Redressal Officer; it must be acknowledged immediately and resolved within 14 days. Once the insurer rejects it, gives no reply for one month, or replies unsatisfactorily, you can approach the Ombudsman — within one year of that.
The Ombudsman file needs the complaint in Annexure VI-A, your policy, the rejection or settlement letter, the grievance correspondence, and a clear statement of facts.
BimaHaq prepares your full Ombudsman bundle — the Annexure VI-A complaint, indexed annexures, supporting affidavits, and a clean argument note. We also prepare you for the mediation hearing so you can present your case confidently.
The Ombudsman has the power to award compensation and direct the insurer to pay the claim with interest. Use this power.
Frequently asked questions
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