How to File a Complaint Against an Insurance Company?

An insurance company is a service provider, and just like others in the space, there are times when a dispute arises with a customer. But if that’s happened to you, what can you do to raise a complaint? Let’s find out.

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What IRDAI says

The Insurance Regulatory and Development Authority of India (IRDAI) is the apex body in the insurance sector in India. It regulates the industry and sets the norms to protect the rights of the insurance buyers. As per its guidelines, if there is a dispute between an insurer and a customer, then the latter must first try to resolve it by talking to the insurer itself.
Every insurer is required to have a dedicated grievance cell to address the complaints. In addition to that, they must also respond to each complaint within 15 days.

What to do when unhappy with insurer’s response?

If the insurer fails to address/resolve the complaint with the timeframe, then you can take up the issue with the IRDAI itself.
IRDAI has its own grievance redressal cell where you can file your complaint. You can also contact the regulator by phone at the following numbers: 155255, 1800 4254 732, both of which are toll-free. Or you can send an email at complaints@irda.gov.in.

If you like, you can even send a written tter to the IRDAI office at the following address:
Consumer Affairs Department Insurance Regulatory and Development Authority 3-5-817/818, United India Towers, 9th Floor Hyderguda, Basheerbagh Hyderabad – 500029

Other Options

If even IRDAI is unable to help you, then you can also approach your nearest insurance ombudsman or file a complaint with them online. You can even take the legal route by filing a civil complaint against the insurer. That said, it should be your last resort as it can be quite a time-consuming and expensive process.