Which Insurance Ombudsman office handles your complaint?
India has 17 Insurance Ombudsman centres, each covering specific states and union territories. Find yours below — 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 2026-07-11
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.
Insurance Ombudsman offices and the areas they cover
| Ombudsman office | States / UTs covered |
|---|---|
| Ahmedabad | Gujarat, Dadra & Nagar Haveli, Daman & Diu |
| Bengaluru | Karnataka |
| Bhopal | Madhya Pradesh, Chhattisgarh |
| Bhubaneswar | Odisha |
| Chandigarh | Punjab, Haryana (parts), Himachal Pradesh, J&K, Ladakh, Chandigarh |
| Chennai | Tamil Nadu, Puducherry (parts), Andaman & Nicobar |
| Delhi | Delhi and parts of Haryana (e.g. Gurugram, Faridabad, Sonepat, Bahadurgarh) |
| Guwahati | Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland, Tripura |
| Hyderabad | Telangana, Andhra Pradesh, Yanam, parts of Puducherry |
| Jaipur | Rajasthan |
| Kochi | Kerala, Lakshadweep, Mahe |
| Kolkata | West Bengal, Sikkim, Andaman & Nicobar (parts) |
| Lucknow | Parts of Uttar Pradesh (eastern/central districts) |
| Mumbai | Maharashtra (Mumbai region), Goa |
| Noida | Parts of Uttar Pradesh (western districts) and Uttarakhand |
| Patna | Bihar, Jharkhand |
| Pune | Maharashtra (excluding Mumbai region) |
Territorial splits (e.g. Delhi vs Chandigarh for parts of the NCR/Haryana, Mumbai vs Pune) and current office addresses, phone numbers, and emails should be confirmed on the official directory.
Common questions
How many Insurance Ombudsman offices are there in India?
There are 17 Insurance Ombudsman centres in India — Ahmedabad, Bengaluru, Bhopal, Bhubaneswar, Chandigarh, Chennai, Delhi, Guwahati, Hyderabad, Jaipur, Kochi, Kolkata, Lucknow, Mumbai, Noida, Patna, and Pune — 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. Use the table below to find the office for your state, and confirm the exact territorial jurisdiction at cioins.co.in.
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.