Insurance Claim Process: In today’s time everyone definitely buys an insurance policy while doing financial planning. This insurance can be any health insurance and life insurance. Many times it has been seen that people buy insurance policies, but they do not get the claim on time. This causes them a lot of trouble. Many times the policy holders register their complaints with the insurance company, but they are not heard even there. If something like this has happened to you too, then there is no need to worry. We are going to tell you some such steps through which you can register your complaint in such a situation. Let’s know about this-
Register your complaint with the Grievance Redressal Officer
Let us tell you that every insurance company is required to have a grievance redressal officer to address the grievances of its customers. First of all, if your claim is being rejected, first complain to the company’s grievance redressal officer. For this, you can register a complaint at the nearest office or online of the insurance company. It is to be noted that most of the complaints of non-receipt of claims are settled at the level of the insurance company itself. If you do not get any hearing here also, then you can register your complaint further.
File a complaint with the insurance regulator IRDAI
IRDAI has been created to regulate insurance companies in India. In such a situation, in case of any kind of problem related to insurance, any customer can register his complaint here also. According to the rules of IRDAI, if the complaint redressal officer of the company is required to take action on the complaint of any customer within 15 days. Even after this, if the customer is not satisfied, then you can register your complaint by visiting the online portal of IRDAI. Apart from this, you can also register a complaint on its official email id complaints@irdai.gov.in. You can also call on its toll free number.
You can also complain to the insurance ombudsman
If you are not satisfied with the resolution of the Company’s Grievance Redressal Officer and IRDAI, you can also complain to the Insurance Ombudsman. For this work, a total of 17 insurance ombudsmen have been appointed in different parts of the country. Keep in mind that every policy holder will have to lodge his complaint with the Insurance Ombudsman of his area. You will have to fill Form P-II and Form P-III by going to the Lokpal office. You can get information about where the policy holder will have to go from the office or official website of the insurance company. After mailing your complaint copy, you will have to send the hard copy of the complaint through speed post to the office of Lokpal.
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