Deadlines assume you write to the insurer on the rejection date and treat its letter as the final reply. Confirm with the forum.
- 1
Insurer grievance officer
Write to the insurer's Grievance Redressal Officer with your appeal letter. Expect a reply in about 15 to 30 days.
What to attach: appeal letter, rejection letter, policy copy, discharge summary, bills, and any doctor's certificate.
- 2
IRDAI Bima Bharosa portal
If there is no reply or you are unhappy with it, file on bimabharosa.irdai.gov.in (or call 155255).
What to attach: your grievance letter to the insurer, its acknowledgement/reply, and the rejection letter.
- 3
Insurance Ombudsman
File within 1 year of the insurer's final reply. Usually for claims up to ₹30 lakh. Free, no lawyer needed.
What to attach: Ombudsman complaint form (Annexure VI-A), insurer's final reply, all claim documents, and the grievance trail.
- 4
Consumer court
File with the District Consumer Commission, generally within 2 years of the cause of action.
What to attach: complaint with affidavit, all correspondence, Ombudsman order (if any), and proof of payment of premium.
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