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Frequently Asked Questions
Stay Oder
No, as the Recommendation or Award of the Insurance Ombudsman are both subject to acceptance by
the complainant in full and final settlement of the complaint. If such acceptance is not agreeable, the
complainant may exercise the right to take recourse to the normal process of law against the insurance
company. Further, dismissal of a complaint by the Insurance Ombudsman does not vitiate the
complainants’ right to seek legal remedy against the insurers complained against, as per the normal process
of law.
the complainant in full and final settlement of the complaint. If such acceptance is not agreeable, the
complainant may exercise the right to take recourse to the normal process of law against the insurance
company. Further, dismissal of a complaint by the Insurance Ombudsman does not vitiate the
complainants’ right to seek legal remedy against the insurers complained against, as per the normal process
of law.
Complaints pertaining to the repudiation of claims totally or partially, delay in settlement of claims, any
dispute on the legal construction of the policies in so far as such disputes relate to claims, disputes
regarding premiums paid / payable and non-issue of insurance documents.
dispute on the legal construction of the policies in so far as such disputes relate to claims, disputes
regarding premiums paid / payable and non-issue of insurance documents.
The complaint will lie with the Insurance Ombudsman under whose territorial jurisdiction the Branch or
Office of the Insurer complained against is located. However, in case of Group Insurance policies, the
complaint may be lodged with the Insurance Ombudsman under whose territorial jurisdiction the place of
residence of the complainant falls.
Office of the Insurer complained against is located. However, in case of Group Insurance policies, the
complaint may be lodged with the Insurance Ombudsman under whose territorial jurisdiction the place of
residence of the complainant falls.
Any aggrieved individual who has taken an Insurance Policy on personal lines (or if deceased, the legal
heir(s) under such policy) can approach Ombudsman.
heir(s) under such policy) can approach Ombudsman.