The Process - Policy Holder
If your insurance company does not resolve your complaint to your satisfaction you can escalate your complaint to IRDAI. IRDAI will take it up with the insurance company concerned and shall facilitate re-examination of the complaint and resolution by the insurance company.
1 If your complaint falls within the purview of the Insurance Ombudsman, as per the Insurance Ombudsman Rules, 2017, you may take up the complaint with the Insurance Ombudsman concerned.
2 For disputes where enquiry or adjudication are required you should approach the appropriate Legal Forum.