Take Your Insurer to the Ombudsman. We Will Build the File.
Free, binding on the insurer up to ₹50 lakh, and usually decided within 90 days.
The Insurance Ombudsman is the single most underused right Indian policyholders have. There are 17 Ombudsman offices across India. The service is free. The orders are binding on the insurer up to ₹50 lakh. The average decision time is between 90 and 180 days.
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 Form P-II, your policy, the rejection or settlement letter, the grievance correspondence, and a clear statement of facts. For amounts above ₹2 lakh, you also need an affidavit on ₹10 stamp paper.
BimaHaq prepares your full Ombudsman bundle — Form P-II, indexed annexures, supporting affidavits, and a clean argument note. We can also represent you remotely at the mediation hearing.
The Ombudsman has the power to award compensation, direct the insurer to pay the claim with interest, and even order the insurer to issue an apology. Use this power.
Frequently asked questions
Ready to take the next step?
Take the free Eligibility Check or talk to a BimaHaq specialist.