Have insurance policy? Complaint being neglected! Here is what you can do

What should you do in case you have a complaint against an insurer? If your insurance service provider is not paying heed to your grievances despite repeated complaints or requests made, you can get the issue resolved by approaching the Insurance Regulatory and Development Authority (IRDA).

But you should first approach to the Grievance Redressal Mechanism of the insurance company to lodge your complaint or grievance with them. The details of the department are spelled out in your insurance policy document.

The insurance regulator has also put the details of the grievance mechanism of insurance companies on its website. See link -  https://www.irdai.gov.in/ADMINCMS/cms/NormalData_Layout.aspx?page=PageNo... to know your point person.

If this fails and the grievance redressal department does not pay attention to your problems, approaching the IRDAI could give you relief. The regulator offers a facility to all the policyholders to lodge their complaints with it and also track the status of the complaint.  

The Integrated Grievance Management System (IGMS) facilitates online registration of policyholders’ complaints and helps track their status. In case the complaint is not fully attended to by the Insurer within 15 days of lodging it, you may use the IGMS for escalating the complaint to IRDA.

How does IGMS work?
 
 A policyholder can make optimum use of this system by giving accurate information about the complaint like the policy number, name of the insurer, complainant’s contact details etc. It would be useful to keep the policy document ready while registering the complaint online.
 
The Complaint Registration Process involves the following TWO SIMPLE steps

Step 1 : Register yourself by entering your credentials
Step 2 : Use Registered credentials to register complaints / view their status

See Zee Business Live TV Streaming Below:

IRDAI's mandate is to protect the interest of and secure fair treatment to policyholders while working to bring about speedy and orderly growth of the insurance industry (including annuity and superannuation payments), for the benefit of the common man, and to provide long term funds for accelerating growth of the economy.