Which Insurance Ombudsman office handles your complaint?
India has 18 Insurance Ombudsman centres, each covering specific states and union territories. Find yours by PIN code below, with its full postal address, phone number and email — filing is free and the award is binding on the insurer.
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
Short answer: pick the office covering the state/city of the insurer branch that handled your policy (or your address, per current rules), file free within about a year of the insurer's final reply, and confirm the exact territorial split and contact details on the official Council for Insurance Ombudsmen site.
Find the office that covers you
Enter your PIN code — it is the most reliable signal, because it identifies your postal district, and that is how the Ombudsman jurisdictions are drawn. District names on their own repeat across states: Raigad in Maharashtra and Raigarh in Chhattisgarh belong to different offices. City and state are optional and help narrow it further.
Insurance Ombudsman offices — address, phone, email and the areas they cover
Filing is free. You can post or email your complaint to the office that covers you, or file online at cioins.co.in.
Ahmedabad
Gujarat
Gujarat, Dadra & Nagar Haveli, Daman and Diu.
Bengaluru
Karnataka
Karnataka.
Bhopal
Madhya Pradesh
Madhya Pradesh, Chhattisgarh.
Bhubaneswar
Odisha
Odisha.
Chandigarh
Chandigarh
Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir, Ladakh & Chandigarh.
Chennai
Tamil Nadu
Tamil Nadu, Puducherry Town and Karaikal (which are part of Puducherry).
Delhi
Delhi
Delhi & following Districts of Haryana: Gurugram, Faridabad, Sonepat & Bahadurgarh.
Guwahati
Assam
Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura.
Hyderabad
Telangana
Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry.
Jaipur
Rajasthan
Rajasthan.
Kochi
Kerala
Kerala, Lakshadweep, Mahe: a part of Union Territory of Puducherry.
Kolkata
West Bengal
West Bengal, Sikkim, Andaman & Nicobar Islands.
Lucknow
Uttar Pradesh
Districts of Uttar Pradesh: Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhadra, Fatehpur, Pratapgarh, Jaunpur, Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorakhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar.
Mumbai
Maharashtra
List of wards under Mumbai Metropolitan Region; excluding wards in: Mumbai – i.e M/E, M/W, N, S and T (covered under Office of Insurance Ombudsman, Thane) and excluding areas of Navi Mumbai.
Noida
Uttar Pradesh
State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshahr, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozabad, Gautam Buddh Nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur.
Patna
Bihar
Bihar, Jharkhand.
Pune
Maharashtra
State of Goa and State of Maharashtra excluding: areas of Navi Mumbai, Thane district, Palghar District, Raigad district & Mumbai Metropolitan Region.
Thane
Maharashtra
Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai: M/East, M/West, N, S and T.
Territorial splits (e.g. Delhi vs Chandigarh for parts of the NCR/Haryana, Mumbai vs Pune vs Thane) can change, and districts are sometimes redrawn. These details are reproduced from the Council for Insurance Ombudsmen's official address list — re-check them there before you post. The Ombudsman itself never charges to accept a complaint.
Common questions
How many Insurance Ombudsman offices are there in India?
There are 18 Insurance Ombudsman centres in India — Ahmedabad, Bengaluru, Bhopal, Bhubaneswar, Chandigarh, Chennai, Delhi, Guwahati, Hyderabad, Jaipur, Kochi, Kolkata, Lucknow, Mumbai, Noida, Patna, Pune, and Thane — each covering specific states and union territories.
Which Insurance Ombudsman office should I file with?
File with the office that covers the location of the insurer's branch that issued or serviced your policy, or your own address, depending on the current rules. Enter your PIN code in the finder below, or read the areas covered on each office card, and confirm the exact territorial jurisdiction at cioins.co.in.
What is the address, phone number and email of my Insurance Ombudsman office?
Every office's full postal address, phone number and email is on its card below — that is what you use to post or email a complaint. Ombudsman offices use @cioins.co.in email addresses (for example oio.mumbai@cioins.co.in). The Ombudsman charges nothing to register or hear your complaint, and nobody is entitled to a fee for lodging it on your behalf — treat any such demand as a warning sign. BimaHaq's own services are separate and optional, and their price is always shown before you pay.
Two offices both look like they cover my district — which do I use?
Do not guess. Several states are split between offices by district or by municipal ward — Maharashtra between Mumbai, Pune and Thane; Uttar Pradesh between Lucknow and Noida; Haryana between Delhi and Chandigarh — and district names repeat across states, so Raigad in Maharashtra and Raigarh in Chhattisgarh fall under different offices. When the finder cannot separate them it shows you every office it could be, and you pick the one whose areas covered name your district or ward. Filing with the wrong office costs weeks, and the one-year limitation window does not pause while you wait.
Does the Insurance Ombudsman charge a fee?
No. Filing a complaint with the Insurance Ombudsman is free, and the Ombudsman's award is binding on the insurer. You generally approach it within one year of the insurer's final reply, after first complaining to the insurer's grievance officer.
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.