Q: Who can approach the Ombudsman?
A: Any individual who has taken an Insurance Policy or, the legal heirs under such policy, can approach Ombudsman.
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Q: Can we approach the Ombudsman with complaints that have been already launched in a Forum / court on the same subject?
A: No. Any complaint on the same subject matter, which is already before a Court / Consumer Forum, cannot be submitted to the Ombudsman.
Q: Is there any formal procedure for lodging a complaint with the Ombudsman?
A: Yes. The Procedure is very simple. The complaint can be written in a plain paper and be submitted. If the complaint falls within the terms of reference, the forum will issue specific forms to the complainant.
Q: Is there any fees / charges payable to the Ombudsman for lodging a complaint?
A: No. There is no fees/charges that need to be paid to lodge a complaint.
Q: Is there any time limit to approach the Ombudsman?
A: Yes. One year from the date of rejection by the insurer or from receiving the Insurers final reply to the complainants representation.
Q: Is there any maximum limit for the amount under dispute that can be entertained by the Ombudsman?
A: Yes. The maximum limit for the amount under dispute is Rs. 20 lakhs.
