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Insurance Services (IRDAI)

Life, Health & Vehicle Insurance — Know Your Rights

Official Website 155255 | 1800-4254-732 (toll-free)
Fees: Grievance filing is free
Processing: IGMS: 15 days. Insurance Ombudsman: 3 months.

What is Insurance Services (IRDAI)?

The Insurance Regulatory and Development Authority of India (IRDAI) regulates life, general, and health insurance. It protects policyholders' interests and resolves complaints via the IGMS portal.

Who Can Apply

  • Any insurance policyholder
  • Claimants with rejected or delayed claims
  • Anyone wanting to verify insurance company validity

Documents Required

  • Policy document
  • Claim rejection letter from insurer
  • Medical reports (for health claims)
  • FIR copy (for vehicle/accident claims)
  • Premium payment receipts

Step-by-Step Guide

1

Complain to Insurer

First file complaint with the insurance company's grievance cell. Note complaint reference number.

2

Escalate to IGMS

If unresolved in 15 days, file on IGMS at igms.irda.gov.in.

3

Contact Insurance Ombudsman

For claims up to ₹50 lakh, approach Insurance Ombudsman at ecoi.co.in — free service.

4

IRDAI Helpline

Call 155255 for guidance on insurance complaints and rights.

5

Consumer Forum

For larger claims, approach District Consumer Forum under Consumer Protection Act 2019.

Go to Official Portal

Important Tips

  • Always read policy document and exclusions carefully
  • Pay premium on time — grace period is 15–30 days only
  • Nominate family member in all insurance policies
  • File claim immediately after incident — delay can lead to rejection

Frequently Asked Questions

QWhat is free look period?

You have 15–30 days after policy issuance to review and return a life insurance policy for full premium refund.

QCan insurer reject claim arbitrarily?

No. IRDAI mandates clear reasons for rejection. File complaint with IGMS if rejection seems unjustified.

QWhat is PM Jeevan Jyoti Bima Yojana?

₹2 lakh life cover for ₹436/year for ages 18–55. Linked to bank account. Renewable annually.

Fees

Grievance filing is free

Helpline

155255 | 1800-4254-732 (toll-free)

Processing: IGMS: 15 days. Insurance Ombudsman: 3 months.

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