Take Your Insurer to the Ombudsman. We Will Build the File.
Free, binding on the insurer, and usually decided within 90 days. Awards are capped at ₹50 lakh — which is also the claim value the Ombudsman accepts at filing.
The Insurance Ombudsman is the single most underused right Indian policyholders have. 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 figure it also applies to the claim value at filing, so take a larger dispute to the consumer commission instead. 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 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, 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.