Papers to collect before you complain to the insurer, IRDAI or the Insurance Ombudsman.
A general checklist does not replace your policy wording or the list your insurer gives you for your claim. Ask the insurer what it needs in your case.
| Document | What it is for | When it may be needed | Differs by insurer? |
|---|---|---|---|
| Rejection or settlement letter | The reason and clause you dispute. | Always | Usually the same |
| All pages of the policy | The Ombudsman asks for a full copy. | Always | Usually the same |
| Your written complaint to the insurer and its acknowledgement | Shows you complained to the insurer first. | Always | Usually the same |
| Insurer's reply, or proof that 30 days passed without one | Needed before going to the Ombudsman. | Ombudsman complaint | Usually the same |
| Policies for the last 48 months | Shows continuous cover. | Rejections for a pre-existing disease or waiting period | Usually the same |
| Claim documents and all other letters | The full record of the case. | Always | Usually the same |
Last reviewed on 18 October 2026.
Official resources
- How to make a complaint (IRDAI) (opens in a new tab)Complain to the insurance company first. If it does not resolve the complaint within two weeks, or you are not satisfied, escalate to IRDAI.
- Bima Bharosa – IRDAI grievance portal (opens in a new tab)Register and track a complaint against an insurer after you have complained to the insurer.Toll-free 155255 or 1800 4254 732; email complaints@irdai.gov.in. IRDAI accepts complaints from the policyholder or claimant, not from agents or other people writing for them.
- Council for Insurance Ombudsmen (opens in a new tab)A free complaint to the Insurance Ombudsman when the insurer has not resolved your complaint. Claims up to ₹50 lakh.
- How to complain to the Insurance Ombudsman (opens in a new tab)Who can complain, time limits, documents to attach and how to file online, by email or by post.
Addresses checked on 19 October 2026.