How to File a Complaint Against an Insurance Company in India

You can anticipate fair treatment from your insurer as a policyholder. It’s critical to be aware of your legal alternatives if you believe your insurer has denied you the coverage or assistance you deserve. This article will walk you through complaining to an insurance company in India.

Here are some steps to follow to file a complaint:

Speak with your insurance provider

It’s a good idea to contact your insurance provider directly to see if you can address the issue before taking legal action. Ask to talk with a supervisor or manager who can resolve your complaint. Describe your concerns. Make sure to put all communications in writing, along with the names of the people you spoke with, the time and date of the conversation, and their titles.

Gather evidence

Your next move should be to acquire proof to back up your complaint when you cannot settle the problem with your insurance directly. It may include copies of any correspondence you may have had with your insurer, copies of your policy, claim forms, and any pertinent financial or medical records. Maintain copies of everything you can in case you require references later.

Submit a grievance

You can submit your grievance to the IRDAI, Insurance Ombudsman, or Consumer Court.


You can complain to the IRDAI when you’ve tried everything else and believe your insurer has acted unjustly or illegally. To do this, go to IRDAI’s website and complete the complaint form, giving as much information as possible about the problem you’re experiencing. Any supplementary materials must be attached as well.

Directly file a complaint through the IRDAI’s website, Bima Bharosa System ( Send your complaint to via email. Call 1800 4254 732 or Toll-Free 155255.

You should get an email confirming receipt of your complaint from the IRDAI after you’ve submitted it. The IRDAI will then examine your complaint and continue its investigation. Keep an eye out for any subsequent correspondence from the IRDAI and reply as and when they ask for more details.

Insurance Ombudsman

The Government of India established the Insurance Ombudsman scheme to assist policyholders in fairly, swiftly, and inexpensively resolving their grievances outside the legal system. At present, there are 17 Insurance Ombudsmen spread out across the nation. You, your legal heirs, an assignee or a nominee may approach the Ombudsman with a grievance.

The Insurance Ombudsman can be contacted with a complaint you initially complained to your insurance provider. Still, they either rejected your complaint, did not satisfactorily settle it, or have not replied for 30 days. You can contact us if your complaint relates to any personal policy decisions you have made, and the maximum amount of loss covered by the insurance coverage is $30,000.

To file a complaint online, you must go to the Council of Insurance Ombudsmen’s website and select “Register Complaint.” the complaint can be filed either electronically at this website or in writing, such as a letter or email, together with the required supporting documents. No costs or fees are associated with submitting a complaint to the Insurance Ombudsman.

Consumer Court

You can go to the Consumer Court when your issue still needs to be resolved. You or your legal successor, representative, nominee, etc. may submit a consumer complaint. To file a complaint in consumer court online on the official website of the Indian government. Alternatively, you can compose your complaint on paper, attach the necessary records, and submit it to the Redressal Agency in person or by mail. Additionally, you’ll have to submit an affidavit in court certifying the integrity of the information you’ve provided and your statements.

You must pay certain fees if you submit a complaint to the Consumer Court. The costs often range from 100 to 5000. The costs may change based on the amount claimed and the type of court—district, state, or national—you are submitting the complaint in. To get more information on these types of topics follow


Complaining to an insurance provider in India can be difficult, but defending your privileges as a policyholder is crucial. You can obtain the relief you are entitled to by adhering to these guidelines and being persistent.