1. first approached your insurance company with the complaint
2. If the insurance company either did not resolve the complaint , or did not resolve it to your satisfaction or did not respond to it at all for 30 days.
3.You can approach the Insurance Ombudsman.
-The Ombudsman can be approached if the value of the claim including expenses claimed is not above Rs 20 lakh. Hence, high value claims cannot be settled by Ombudsman
-Complaints can range from partial or total repudiation of claims by an insurer, any dispute about premium paid or payable, any dispute on the legal construction of the policies as far as it relates to claims or delay in settlement of claims.
-The Ombudsman will act as counsellor and mediator and arrive at a fair recommendation based on the facts of the dispute. If you accept this as a full and final settlement, the Ombudsman will inform the company which should comply with the terms in 15 days.
-Once the Award is passed, you have to accept the award in writing and the insurance company has to be informed of it within 30 days and the Insurance company has to comply with the award in 15 days after that.
http://www.policyholder.gov.in/
http://www.business-standard.com/article/finance/policyholders-throng-insurance-ombudsmen-offices-113112900082_1.html
http://www.irdaindia.org/ombudsmen/ombudsmenlist_new.htm
http://www.gbic.co.in
IRDA - Tol Free Number : 155255
2. If the insurance company either did not resolve the complaint , or did not resolve it to your satisfaction or did not respond to it at all for 30 days.
3.You can approach the Insurance Ombudsman.
-The Ombudsman can be approached if the value of the claim including expenses claimed is not above Rs 20 lakh. Hence, high value claims cannot be settled by Ombudsman
-Complaints can range from partial or total repudiation of claims by an insurer, any dispute about premium paid or payable, any dispute on the legal construction of the policies as far as it relates to claims or delay in settlement of claims.
-The Ombudsman will act as counsellor and mediator and arrive at a fair recommendation based on the facts of the dispute. If you accept this as a full and final settlement, the Ombudsman will inform the company which should comply with the terms in 15 days.
-Once the Award is passed, you have to accept the award in writing and the insurance company has to be informed of it within 30 days and the Insurance company has to comply with the award in 15 days after that.
http://www.policyholder.gov.in/
http://www.business-standard.com/article/finance/policyholders-throng-insurance-ombudsmen-offices-113112900082_1.html
http://www.irdaindia.org/ombudsmen/ombudsmenlist_new.htm
http://www.gbic.co.in
IRDA - Tol Free Number : 155255
