FAQs

1) Who can approach the Ombudsman?

Any individual who has taken an Insurance Policy or, the legal heirs under such policy, can approach Ombudsman

2) Can we approach the Ombudsman with complaints that have been already launched in a Forum / court on the same subject?

No. Any complaint on the same subject matter, which is already before a Court / Consumer Forum, cannot be submitted to the Ombudsman.

3) Is there any formal procedure for lodging a complaint with the Ombudsman?

Yes. The Procedure is very simple. The complaint can be written in a plain paper and be submitted. If the complaint falls within the terms of reference, the forum will issue specific forms to the complainant.

4) Is there any fees / charges payable to the Ombudsman for lodging a complaint?

No. There is no fees/charges that need to be paid to lodge a complaint.

5) Is there any time limit to approach the Ombudsman?

Yes. One year from the date of rejection by the insurer or from receiving the Insurer's final reply to the complainant's representation.

6) Is there any maximum limit for the amount under dispute that can be entertained by the Ombudsman?

Yes. The maximum limit for the amount under dispute is Rs. 20 lakhs.