COMPLAINT AGAINST INSURANCE COMPANY

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What to do if Insurance Company has not paid insurance claims

insurance complaint

So fine print running for so many pages !!

Do you ever read those?

Against cashless fraud, rejection of insurance claim

You can file a complaint against insurance company in India against rejection of insurance claim or dishonoring cashless facility. Insurance companies promise big dreams, receive premium and then reject insurance claims under pre-existing disease clause despite their doctors having examined the insured before selling insurance policy to the insured. When the doctors of insurance company did not find pre-existing disease in the insured at the time of selling policy, then how can that disease pre-exist at the time of paying the insurance claim?

These are just the gimmiks played by the insurance companies to avoid paying insurance claims to the insured. Many times when a consumer files his insurance claim, the insurance company TPA keeps on asking for more and more documents, whether relevant or not, till they can find any adverse sentence in your documents that can give them a reason to reject your claim.

insurance claim

Secret of success to prevent rejection of insurance claim

When you are being checked by a doctor when buying an insurance policy, please ask him before hand that you will need a certificate from him that he did not find any pre-existing disease in you afterexamination. If he does not agree to give you such certificate, it means this empanelled doctor is also in the game plan for rejectig claims. Avoid him and select another one.

After you file your claims and have submitted all the relevant documents, do not keep giving more and more documents to the TPA. Just say you do not have any document with you that they are asking, as you have already submitted all relevant documents at the time of allplying for claims.

If you find difficulty in getting the insurance claim. File your complaint in the consumer court instead of other channels. Contact ICRPC for help if you need any.

 

Where to file a complaint against insurance company

All the insurance companies have a Grievance Redressal Officer. First file your complaint with these officers.

Insurer Name

Email id

Correspondence address

Aegon Life Insurance Company Limited

gro@aegonlife.com

Building No.3, Third Floor, Unit No.1, Nesco IT Park, Western Express Highway, Goregaon (East),
Mumbai - 400 063

Aviva Life Insurance Company India Ltd.

gro@avivaindia.com

Aviva Life Insurance Company India Limited, Aviva Towers, Sector Road, Opp. DLF Golf Club, Sec -43,
Gurgaon – 122003

Bajaj Allianz Life Insurance Co. Ltd.

gro@bajajallianz.co.in

Bajaj Allianz Life Insurance Company Limited
3rd Floor, Bajaj Finserv, Survey No.208/1-B,
Behind Weikfield IT Park,Vimannagar,Pune-411014

Bharti AXA Life Insurance Company Ltd,

gro@bhartiaxa.com

Bharti AXA Life Insurance Company Limited, 6th Floor, Unit No 601 & 602, Raheja Titanium, Off Western Express Highway, Goregaon(E),
Mumbai-400 063

Aditya Birla SunLife Insurance Co. Ltd.

GRO@adityabirlacapital.com

Birla Sun Life Insurance, G-Corp Tech Park, 6th floor, Kasar Vadavli,  Ghodbunder Road, Thane [W] – 400601.

Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited

gro@canarahsbclife.in

Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited
Unitech Trade Centre, 2nd Floor, Sushant Lok,Phase-1, Sector-43, Gurgaon, Haryana, 122009

 Pramerica Life Insurance Co. Ltd.

gro@pramericalife.in

4th Floor Building No-9B, DLF Cyber City, Phase -3, Gurgaon,
Haryana, 122002

Edelweiss Tokio Life Insurance Company Limited

gro@edelweisstokio.in

Edelweiss Tokio Life Insurance
Edelweiss House, Off  CST Road, Kalina, Mumbai, Maharashtra – 400098

Future Generali India Life Insurance Company Limited

gro@futuregenerali.in

Lodha - ithink Techno Campus,
1st Floor, A Wing,
Pokhran Road No.2, Behind TCS,
Thane (W) - 400 601.
Maharashtra

HDFC Life Insurance Co. Ltd

gro@hdfclife.com

11th Floor, Lodha Excelus, Apollo Mills Compound, N M Joshi Marg, Mahalaxmi,
Mumbai - 400011

ICICI Prudential Life Insurance Co. Ltd

gro@iciciprulife.com

ICICI Prudential Life Insurance Co. Ltd, ICICI PruLife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400 025

IDBI Federal Life Insurance Company Limited

gro@idbifederal.com

IDBI Federal Life Insurance Co Ltd
Trade view, Oasis Complex
Kamala City, P. B Marg, Lower Parel (West)
Mumbai – 400013

IndiaFirst Life Insurance Company Ltd

gro@indiafirstlife.com

IndiaFirst Life Insurance Company Ltd
301, 'B' Wing, The Qube, Infinity IT Park,
Dindoshi - Flimcity Road, Malad (East),
Mumbai - 400 097.

Exide Life Insurance Co. Ltd.

gro@exidelife.in

 Exide Life Insurance Company Limited; 3rd Floor, JP Techno Park, No. 3/1, Millers Road, Bangalore- 560 001

Kotak Mahindra Life Insurance Co. Ltd.

kli.grievance@kotak.com

Kotak Mahindra Old Mutual Life Insurance Limited
Kotak Towers, 7th Floor – Zone I, Building No.21, Infinity Park, Off Western Express Highway, Goregaon Mulund Link Road, Malad (E), Mumbai-400097

Life Insurance Corporation of India

co_complaints@licindia.com

LIC of India, CRM Department, Yogakshema Bldg., 5th Floor Link, Jeevan Bima Marg, P.B. No. 19953, Mumbai- 400021.

PNB MetLife India Insurance Co. Ltd

gro@pnbmetlife.co.in

PNB MetLife India Insurance Co. Ltd, Orchid Centre, 5th Floor, DLF Golf Course Road, Sector-53, Gurgaon - 122 002

Max Life Insurance Co. Ltd.

gro@maxlifeinsurance.com

Max Life Insurance Company Ltd.11th Floor, DLF Square, Jacaranda Marg,DLF City Phase II, Gurgaon, Haryana - 122002

Reliance Nippon Life Insurance Company Limited

rnlife.gro@relianceada.com

Reliance Life Insurance, 9th Floor, Bldg No. 2, R - Tech Park, Nirlon Compound, Next to HUB Mall, Behind I - Flex Bldg, Goregaon East, Mumbai. 400063

SBI Life Insurance Co. Ltd.

gro@sbilife.co.in

SBI Life Insurance Co. Ltd.
NATRAJ, 5th Floor,
M. V. Road & W. E. Highway Junction, Andheri (E),
Mumbai - 400 069

Sahara India Life Insurance Co. Ltd.

gro.life@sahara.in

Sahara India Life Insurance, 8th Floor, Sahara India Centre, Kapoorthala Complex,
Lucknow – 226024 (U.P.)

Shriram Life Insurance Co. Ltd.

gro@shriramlife.in

Ramky Selenium, Plot No. 31 & 32, Beside Andhra Bank Training Centre, Financial District, Gachibowli, HYDERABAD-500032

Star Union Dai-Ichi Life Insurance Co. Ltd.

gro@sudlife.in

Star Union Dai-ichi Life Insurance,
11th Floor, Raghuleela Arcade, IT Park, Sector – 30A, Opp. Vashi Railway Station, Vashi, Navi Mumbai – 400 703

TATA AIA Life Insurance Co. Ltd.

gro@tataaia.com

Tata AIA life Insurance company Limited
B – Wing, 9th Floor,
I – Think Techno Campus,
Behind TCS, Pokhran Road No. 2,
Close to Eastern express highway,
Thane (West) - 400607

 If the Grievance Redressal Officer does not respond favourably, you can send your complaint to complaints@irda.gov.in

You can also send your insurance complaint to:

Grievance Redressal Department

Insurance Regulatory and Development Authority of India(IRDAI),

Sy.No.115/1,Financial District, Nanakramguda,

Gachibowli, Hyderabad-500032 

IRDA mission “to protect the interests of the policyholders, to regulate, promote and ensure orderly growth of the insurance industry and for matters connected therewith or incidental thereto.

Complain against insurance company with Insurance Ombudsmen

The Insurance Ombudsman scheme was created by Government of India for individual policyholders to have their complaints settled out of the courts system in a cost-effective, efficient and impartial way.
There are 17 Insurance Ombudsman in different locations and you can approach the one having jurisdiction over the location of the insurance company office that you have a complaint against.

But it has been noted that the Insurance Ombudsman does not do much and rejects most of the cases filed with them. The do so as they are composed of officers from various insurance companies and generally avoid developing conflicts with their brothers. Therefore consumer court is a better alternative.

Address

Contact Details

 Jurisdiction

AHMEDABAD

Office of the Insurance Ombudsman,
2nd floor, Ambica House,
Near C.U. Shah College,
5, Navyug Colony, Ashram Road,
Ahmedabad – 380 014

Tel.:- 079-27546150/139
Fax:- 079-27546142
Email:-bimalokpal.ahmedabad@gbic.co.in

State of Gujarat and Union Territories of Dadra & Nagar Haveli and Daman and Diu.

BENGALURU
Office of the Insurance Ombudsman,
Jeevan Soudha Building,
PID No.57-27-N-19, 
Ground Floor, 19/19, 24th Main Road,
JP Nagar, 1st Phase,
Bengaluru-560 078.
Tel.:- 080-26652048 / 26652049
Email:- bimalokpal.bengaluru@gbic.co.in
Karnataka

BHOPAL

Office of the Insurance Ombudsman,
Janak Vihar Complex,
2nd Floor, 6, Malviya Nagar, 
Opp.Airtel Office, 
Near New Market,
Bhopal – 462 033.

Tel.:- 0755-2769200/201/202
Fax:- 0755-2769203
Email:- bimalokpalbhopal@gbic.co.in

Madhya Pradesh & Chhattisgarh

BHUBANESWAR

62, Forest Park

BHUBANESWAR - 751 009

Tel.:- 0674-2596461 / 2596455
Fax:- 0674-2596429
Email:-bimalokpal.bhubaneswar@gbic.co.in

Orissa

CHANDIGARH

S.C.O. No. 101,102&103

2nd Floor, Batra Building

Sector 17-D

CHANDIGARH - 160 017

el.:- 0172-2706196/5861 / 2706468
Fax:- 0172-2708274
Email:-bimalokpal.chandigarh@gbic.co.in

Punjab, Haryana, Himachal Pradesh, Jammu & Kashmir, UT of Chandigarh

CHENNAI

Fatima Akhtar Court

4th Flr., 453(old 312 )

Anna Salai, Teynampet

CHENNAI -600 018

Tel.:- 044-24333668 / 24335284
Fax:- 044-24333664
Email:- bimalokpal.chennai@gbic.co.in

Tamil Nadu, UT–Pondicherry Town and Karaikal (which are part of UT of Pondicherry)

DELHI

2/2 A, 1st Floor, Universal Insurance

Bldg. Asaf Ali Road

NEW DELHI – 110 002

el.:- 011-23239611/7539/7532
Fax:- 011-23230858
Email:- bimalokpal.delhi@gbic.co.in

Delhi

ERNAKULAM
Office of the Insurance Ombudsman,
2nd floor, Pulinat Building,
Opp. Cochin Shipyard,
M.G. Road,
Ernakulum - 682 015.
Tel.:- 0484-2358759/2359338
Fax:- 0484-2359336
Email:- bimalokpal.ernakulum@gbic.co.in
Kerala, Lakshadweep, Mahe-a part of Pondicherry

GUWAHATI 

Office of the Insurance Ombudsman,
'Jeevan Nivesh’, 5th Floor,
Nr. Panbazar over bridge, S.S. Road,
Guwahati – 781001(ASSAM).

Tel.:- 0361- 2132204 / 2132205
Fax:- 0361-2732937
Email:- bimalokpal.guwahati@gbic.co.in

Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura

HYDERABAD

6-2-47, Yeturu Towers

Lane Opp.Saleem Function Palace

A. C. Guards

Lakdi-Ka-pool

HYDERABAD - 500 004

Tel.:- 040-65504123/23312122
Fax:- 040-23376599
Email:- bimalokpal.hyderabad@gbic.co.in

Andhra Pradesh, Karnataka and UT of Yanam – a part of the UT of Pondicherry

JAIPUR
Office of the Insurance Ombudsman,
Jeevan Nidhi-II Bldg.,
Ground Floor,
Bhawani Singh Marg,
Jaipur - 302005.

Tel.:- 0141-2740363
Email:- bimalokpal.jaipur@gbic.co.in

Rajasthan

KOLKATA

Office of the Insurance Ombudsman,
Hindustan Building Annexe, 
4th floor, 4, CR Avenue,
Kolkata - 700 072.

Tel.:- 033-22124339 / 22124340
Fax:- 033-22124341
Email:- bimalokpal.kolkata@gbic.co.in

West Bengal, Bihar and UT of Andeman & Nicobar Islands, Sikkim

LUCKNOW

Office of the Insurance Ombudsman,
6th Floor, Jeevan Bhawan,
Phase-II, Nawal Kishore Road,
Hazratganj,
Lucknow-226 001.

Tel.:- 0522-2231330 / 2231331
Fax:- 0522-2231310.
Email:- bimalokpal.lucknow@gbic.co.in

District of Uttar Pradesh:  Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur, Varansi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sulanpur, Maharajganj, Santkabirnagar, Azamgarh, Kaushinagar, Gorkhpur, Deoria, Mau, Chandauli, Ballia, Sidharathnagar.

MUMBAI

3rd Flr., Jeevan Seva

Annexe (Above MTNL)

S. V. Rd., Santa Cruz (W)

MUMBAI - 400 054

Tel.:- 022-26106928/360/889
Fax:- 022-26106052
Email:- bimalokpal.mumbai@gbic.co.in

States of Goa, Mumbai Metropolitan Region excluding Navi Mumbai & Thane.

NOIDA
Office of the Insurance Ombudsman,
Bhagwan Sahai Palace,
4th Floor, Main Road,
Naya Bans, Sector-15,
Gautam Budh Nagar, Noida
Email:- bimalokpal.noida@gbic.co.in States of Uttaranchal and the following Districts of Uttar Pradesh:. Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kanooj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozabad, Gautam Budh Nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur.
PATNA
Office of the Insurance Ombudsman,
1st Floor, Kalpana Arcade Building,
Bazar Samiti Road,
Bahadurpur,
Patna - 800 006.
Email:- bimalokpal.patna@gbic.co.in States of Bihar and Jharkhand.
PUNE
Office of the Insurance Ombudsman,
Jeevan Darshan Building, 3rd Floor,
CTS Nos. 195 to 198,
NC Kelkar Road, Narayan Peth, 
Pune - 411 030
Tel: 020 -32341320
Email:- bimalokpal.pune@gbic.co.in
States of Maharashtra, Area of Navi Mumbai and Thane excluding Mumbai Metropolitan Region.

Address and contact number of Governing Body of Insurance Council

Secretary General
Governing Body of Insurance Council
Jeevan Seva Annexe
3rd Floor (Above MTNL)
S.V. Road, Santacruz (W)
Mumbai - 400 054
Tel. No: 022 - 2610 6889, 26106980
Fax No.: 022 - 26106949
E-mail: inscoun@gbic.co.in 

 

General Insurance Council,
5th Floor, Royal Insurance Building, 
14, Jamshedji Tata Road, 
Churchgate, Mumbai-400020, 
Maharashtra, India

+91 22 2281 7511 / 12

+91 22 2281 7515

 gicouncil@gicouncil.in

 

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