Debt &money - Citizen Support

Are you unsatisfied with any insurance company or their products? Claims are not disbursed?

Every insurance company has a grievances redressal system as per the IRDA rules. They are committed to resolve issues pertaining to policies, distribution channels, disbursements, or any other issues related to the insurance.

If a customer is facing any issues with insurance, they can approach the Grievance Redressal Officer (GRO) of the concerned insurance company, details of such officer and contact will be available at the company website itself.

If you are not received any response within 30 days after complaint registration, or if your complaint not resolved/ rejected/partially resolved/ you are unhappy with the response within 15 days of the registration of the complaint, an aggrieved customer can approach Insurance Ombudsman for fair resolution.

Your complaint with Ombudsman can be about the following;

Delay in settlement,
Partial or total rejection of claims by the insurance company (Life, General, Health insurance)
Dispute about premium paid or payable in terms of insurance policy,
brining legal matters when dispute related to claim
Service-related grievances against company or its agents
Non issuance of policy after paying the premium
Any other matter resulted in the violation of rules.

When you lodge a complaint before ombudsman;

Name and address of the complainant;
Name of the Insurance company branch office and company name,
Facts of the complaint and supported documents if any
Loss of damage caused to the complainant;
what relief sought from the ombudsman
Complaint should duly sign in the complaint

Note:

Complaint should be made within one year from the date of complaint registered with the company
The Ombudsman cannot consider if the complaint is or was before the consumer forum or any court.
The Ombudsman gives his recommendation within 30 days once the case is registered and insurance companies shall comply with the Award within 30 days from the date of receipt of the Award.

Customer can register their complaint either Toll Free Number 155255 (or) 1800 4254 732 or e-mail to complaints@irdai.gov.in or register online https://igms.irda.gov.in/loginph.aspx

Send a letter to IRDAI with your complaint: by post or courier to:

General Manager

Consumer Affairs Department- Grievance Redressal Cell,Insurance Regulatory and Development Authority of India (IRDAI),Sy.No.115/1, Financial District, Nanakramguda,Gachibowli, Hyderabad-500032

Check Ombudsman jurisdiction areas:

https://www.cioins.co.in//ombudsman.html

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Have you ever been cheated by someone or a company for economic motives?

We all have experienced the meaning of cheating at least once in life by someone/institution. Even highly educated people got cheated in a fraction of seconds by the most hilarious talents! how to avoid being cheated by someone/some fraudulent institutions? Answer lies within us: don’t believe as the other says/acts/showcase.

It’s normal human nature to believe things and trust blindly when our mind gives confidence even without support of any evidence to do so. Cheating can happen intentionally or circumstantially, but how we can save ourselves is the question.

Being alert on every aspect of life is the best way to avoid such situations, but if we slip out then? The solution may sometimes take a long or sometimes too short, depending upon our action, time boundedness, tracing, realizing the facts, and solid proof in hand.

If any of you got cheated in the following way or comes under any of these parameters, then you can either move through court by using criminal court procedure with the help of an advocate, before any action to check the possibility of resolution out of the court. If there is no avenue, then move to register your concern in;

CPGRAMS (Centralized Public Grievance Redress and Monitoring System) www.pgportal.gov.in Government of India, or call 011-23346785 and email address sobo3-dfs@nic.in
If untraced the cheater, and economic loss happened through electronic mode, move to cyber cell/ national cybercrime portal to raise the complaint, For immediate reporting, Call 155260. (24*7) https://www.cybercrime.gov.in/
If it is related to economic offense against banks or financial services can report to the banking ombudsman after maintaining formal communication with the concerned institutions grievances redressal channel. https://cms.rbi.org.in/cms/indexpage.html#eng
Similarly if it is related to any consumer matter you can approach National Consumer Helpline or district consumer forum for exclusive redressal. https://consumerhelpline.gov.in/

Apart from any of this process, what actions can we take to redress quickly? Taking stern steps on the internet is an idea in today’s world. If you can trace the institution or person through online, tag them and publish the incident for public attention, it may force the cheater to sort out your matter, but it’s not mandatory. Sometimes communication through an advocate helps to sort the problem.

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