Complaint guides · no account needed
Insurance claim
Claim rejected, delayed, or paid less than it should be
Helplines — free, any timeRules last checked 2026-10-21
Insurance
01⏱ 14 days
Insurer's grievance cell
Who: The insurer's Grievance Redressal Officer
A final letter within two weeks.
Rule: IRDAI: insurers resolve grievances within 2 weeks
02⏱ 16 days
Bima Bharosa (IRDAI)
Who: IRDAI via bimabharosa.irdai.gov.in
A token number to track. Add it here.
Rule: IRDAI forwards the complaint to the insurer and tracks it
bimabharosa.irdai.gov.in ↗03Final
Insurance Ombudsman
Who: Council for Insurance Ombudsmen
Free, and the award is binding on the insurer.
Rule: After 30 days with no answer or a rejection, within one year — free
www.cioins.co.in ↗Guidance, not legal advice. Timelines come from published rules and are rounded up so you never escalate too early.
Complaint guides by company
Common questions
Where do I complain about insurance claim?
In this order: 1. Insurer's grievance cell (The insurer's Grievance Redressal Officer), 2. Bima Bharosa (IRDAI) (IRDAI via bimabharosa.irdai.gov.in), 3. Insurance Ombudsman (Council for Insurance Ombudsmen).
How long do I wait at each step?
Insurer's grievance cell: 14 days; Bima Bharosa (IRDAI): 16 days; Insurance Ombudsman: the final step.
What is the final step?
Insurance Ombudsman: Free, and the award is binding on the insurer.