Insurer grievance directory

Write to the right person at your insurer

The grievance officer’s email and postal address for 60 insurers, from the Council for Insurance Ombudsmen’s own lists and checked against each insurer’s website. Pick yours to see what to put in the grievance, how long they have to answer, and where to go next.

Find your insurer If the insurer says no
60
Insurers
Health, general and life
14 days
For an insurer to resolve a grievance
IRDAI Master Circular, 2024
Free
Bima Bharosa and the Ombudsman
No lawyer needed

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 2026-09-24

Health insurers

7

Companies licensed for health insurance only.

General insurers

27

Motor, home, travel and health cover — a mediclaim can sit with one of these too.

Life insurers

26

Term, endowment, ULIP and pension policies, and the death claims under them.

Escalate

If the insurer says no, or says nothing

The route every insurer in India sits under, in order. The insurer, Bima Bharosa and the Ombudsman charge nothing to hear you.

  1. The insurer's grievance officer

    Write to them first. The insurer must resolve your grievance within 14 days.

    Find your insurer

  2. IRDAI, through Bima Bharosa

    If it is not resolved in 14 days, or the answer is unsatisfactory. Optional — the Ombudsman does not require it.

    How Bima Bharosa works

  3. The Insurance Ombudsman

    Free, and its award binds the insurer. Open once the insurer rejects your grievance, answers unsatisfactorily, or stays silent for a month.

    Ombudsman offices

  4. The consumer commission

    For a claim larger than an Ombudsman award can cover, or if its award does not satisfy you. Filing here first shuts the Ombudsman route.

    Filing on e-Jagriti
The full guide: claim rejected, what to do

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Where these details come from

The Council for Insurance Ombudsmen publishes each insurer’s grievance officer. Every row here was checked against the insurer’s own grievance page on 13 July 2026, and where the two differed the insurer’s own page was taken. The insurers’ grievance-page links were last opened on 24 September 2026, and every link that failed that day has since been found on the insurer’s own site and checked before use.

BimaHaq is not an insurer and is not affiliated with any insurer listed here, with IRDAI or with the Council for Insurance Ombudsmen. These pages reproduce published grievance details so you can write to your insurer directly, free.

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.

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