Greviance related

[Thanooj]

Hello all,
If we have any greviance/complaints related to our active health insurance policy - say, our opted add-on isn't giving us the promised benefit. Whom should we contact regarding this.

Is it IRDAI or is there a specific greviance resolution portal for it ?

 

[TaxWiser]

Hello all,
If we have any greviance/complaints related to our active health insurance policy - say, our opted add-on isn't giving us the promised benefit. Whom should we contact regarding this.

Is it IRDAI or is there a specific greviance resolution portal for it ?

If you require personalized support, try checking out Insurance Samadhan. Lately, I have been noticing a lot of good reviews regarding their services. They specialize in resolving insurance-related grievances, including claim rejections, delays, and policy disputes. Insurance Samadhan offers a platform where you can submit your complaint, and their team of experts will assist you in resolving the issue with your insurance provider.

But here's the standard protocol:
1. Contact Your Insurance Company:

- Start by reaching out to your insurance company’s customer service. They usually have a dedicated grievance redressal team to handle such issues. You can find their contact details on your policy documents or the company’s website.​

2. Grievance Redressal Portal:

- Many insurance companies have an online grievance redressal portal where you can file your complaint. Check your insurer’s website for this option.​

3. Escalate to IRDAI:

- If your issue is not resolved satisfactorily by the insurance company, you can escalate it to the Insurance Regulatory and Development Authority of India (IRDAI). They have a dedicated grievance redressal mechanism called the Integrated Grievance Management System (IGMS). You can file your complaint online through the IGMS portal.​

4. Ombudsman:

- If you are still not satisfied with the resolution, you can approach the Insurance Ombudsman. The Ombudsman is an independent body that addresses grievances between policyholders and insurance companies. You can find the contact details of the Ombudsman office in your region on the IRDAI website.​

Steps to File a Grievance:

1. Document Your Issue: Keep all relevant documents and communication related to your grievance handy.
2. File a Complaint with Your Insurer: Use their customer service or online portal to lodge your complaint.
3. Escalate if Needed: If unresolved, escalate to IRDAI through the IGMS portal.
4. Approach the Ombudsman: As a last resort, contact the Insurance Ombudsman for further assistance.

(Source: Conversation with Gemini AI)