Policyholder Protection Framework

Regulatory Framework

•   IRDA (Protection of Policyholders' Interests) Regulations, 2002 
•   Redressal of Public Grievance Rules, 1998 (RPG Rules, 1998) 
•  Guidelines for Grievance Redressal, 2010

If you are unhappy with your insurance company 

•  Approach the Grievance Redressal Officer of its branch or any other office that you deal with. Give your complaint in writing along with the necessary support documents 
•  Take a written acknowledgement of your complaint with the date. 
•  The insurance company should deal with your complaint within 15 days. 
•  If that does not happen or if you are unhappy with their solution you can use the below available channels to escalate the complaint to IRDA for taking up with the company for reconsideration.

Channels for Complaints offered by IRDA 

•  IGMS (Integrated Grievance Management System) Registering a complaint at www.igms.irda.gov.in  
• IGCC (IRDA Grievance Call Centre) Calling Toll Free Number 155255 or1800 425 4732
•  E-mail to complaints@irda.gov.in 
•  Letter to Consumer Affairs Department, Insurance Regulatory and Development Authority, 3-5-817/818, United India Towers, 9th Floor, Hyderguda, Basheerbagh, Hyderabad - 500 029.
•  Fax 040-66789768 IRDA facilitates resolution of policyholders’ grievances by insurers but does not investigate into or adjudicate upon complaints.