Insurance Ombudsman Complaint Generator
Insurance claim rejected or delayed? The Insurance Ombudsman Rules, 2017 give you a free, fast way to challenge your insurer. Generate a correctly formatted complaint in minutes.
Generate your complaint — ₹249How to file an Insurance Ombudsman complaint
Complain to the insurer first
File a written complaint with your insurance company's grievance cell. You must do this before approaching the Ombudsman.
Wait for 30 days
If the insurer rejects your complaint or doesn't respond within 30 days, you can approach the Insurance Ombudsman.
Identify your regional Ombudsman
The Ombudsman office depends on your state. Daava automatically includes the correct regional office address in your complaint.
File your complaint
Submit the complaint to the Ombudsman by post or through the online IGMS portal (igms.irda.gov.in).
Attend the hearing
The Ombudsman will hear both sides and pass an award within 3 months. Awards up to ₹30 lakh for life and general insurance, and ₹2 lakh for health insurance, are binding on the insurer.
Frequently asked questions
When can I approach the Insurance Ombudsman?
You can approach the Ombudsman if your insurance company has rejected your claim, partially settled it without explanation, delayed settlement beyond 30 days, or disputed the claim amount. You must first complain to the insurer's grievance cell.
What types of complaints does the Ombudsman handle?
The Ombudsman handles complaints related to claim settlement, premium disputes, policy terms, and any other insurance-related grievance where the value is up to ₹30 lakh (life/general) or ₹2 lakh (health).
Is there a fee to file?
There is no government fee to file a complaint with the Insurance Ombudsman. Daava charges ₹249 to generate your correctly formatted complaint with the appropriate regional office address.
How long does it take?
The Ombudsman must pass a recommendation within 30 days of receiving both sides, and an award within 3 months of receiving the complaint. The entire process typically takes 2-4 months.
Daava generates document drafts based on your answers. Please review carefully before filing. This is not legal advice.