Friday, December 5, 2014

How to complain against an insurer?

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How to complain against an insurer?

If you feel that there was a lapse or negligence on the part of the insurance company in processing a proposal, servicing a policy or processing claims, there are various ways to register a complaint against it with respect to both life and nonlife insurance.

Write to insurer

Send a written complaint, with supporting documents, to the insurer's grievance redressal officer, and get an acknowledgement. Contact details are available on policy document and websites of the insurer or the Insurance Regulatory and Development Authority (Irda).

Time limit

The insurance company is required to address the complaint within 15 days of its receipt. If it doesn't, or if you are not satisfied with the response, you can lodge a complaint with the Irda.

Contact Irda

You can either approach the grievance redressal cell of the consumer affairs department of Irda (complaints@irda.gov.in) or by calling on 155255 (or) 1800 4254 732, or fill in the complaint registration form available on Irda website.

IGMS

You can also use the Integrated Grievance Management System of Irda to register and monitor the complaint (http:www.igms.irda.gov.in). Register by filling out details, and once the complaint is registered, you will be allotted a token reference number.

Ombudsman or civil court

If you are still not satisfied, you can approach the insurance ombudsman or file a civil complaint against the insurer before a civil court.

Points to note

Before approaching the Irda, it is important to lodge a complaint with the relevant insurance company.

The IGMS system also allows the policy holder to amend his complaint midway



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