Insurance company failed to resolve your complaint? Here's how to file complaint via IRDAI portal, offline

New Delhi: Many times insurance companies fail to resolve your complaints such as delay in settlement of claims, disputes over premium, misrepresentation of policy's terms and conditions. In such cases, the policyholder can file a complaint against the insurance company to the Grievance Redressal Officer of the branch. It may be noted that it is the responsibility of the insurance company to reply within 15 days of the receipt of the complaint.

In case your insurer doesn't reply or fails to give a satisfactory solution within the specified period of time, then you can register the complaint with Grievance Redressal Cell of the Consumer Affairs Department of IRDA (Insurance Regulatory and Development Authority).

How to lodge a complaint via IRDAI portal-

The complainant can make a fresh complaint or escalate it to the Integrated Grievance Management System (IGMS) by visiting the website- igms.irda.gov.in, using an online complaint redressal portal of IRDA. IGMS allows the complainant to amend his complaint midway. Make sure before you approach IRDA, you must register a complaint with the relevant insurance company. This can also be done either by making a call on a toll-free number 155255 (or) 1800-4254-732 or by sending an email to complaints@irda.gov.in.

Offline process: The policyholder must download the complaint registration form available on the IRDA website. Fill in the form and send it with the relevant documents to General Manager, Consumer Affairs Department, Grievance Redressal Cell, IRDA.

The complaint can be filed on a duly signed paper by the complainant, which clearly mentions the name and address of the complainant, name of the branch or office of the insurer against whom the complaint has to be registered and the reason of complaint. Along with the supporting documents, the nature and extent of the loss caused to the complainant and the relief sought from the Insurance Ombudsman (organisation that deals with the complaints).

After the complaint is received, a token number will be generated and given to the complainant. It will be forwarded to the insurance company for the re-examination and respond within two weeks. If the reply received is unsatisfactory, then the complaint is escalated to the insurance ombudsman or consumer forum or the civil court on the basis of the nature of the complaint.

Source: ET Now