If you aren’t happy with the companies supplied by your insurer, or in case your declare will get rejected as a result of wrongful causes, you may strategy the Insurance Regulatory and Development Authority of India (IRDAI) for an answer. There are a number of methods to succeed in the insurance coverage regulator and escalate the problem additional if IRDAI fails to unravel your downside.
Here is the way to file a criticism:
You first have to strategy the grievance redressal workplace of the department.
Your criticism have to be given in writing together with related documentation.
You shall be given a written acknowledgement together with the date of submission of the criticism.
Usually, the insurance coverage supplier should resolve the grievance inside 15 days.
Tip: In case your criticism isn’t resolved inside 15 days, the problem might be escalated to the IRDAI.
Here’s the way to lodge a criticism in opposition to a medical health insurance supplier with IRDAI
You should get in contact with the Grievance Redressal Cell of the Consumer Affairs Department of IRDAI through e-mail or the client care helpline.
After your criticism is lodged, you should use the Integrated Grievance Management System of the IRDAI to watch your criticism and its progress.
You may also contact the Insurance Regulatory and Development Authority through letter.
Tip: You should contact the grievance cell or helpdesk of your medical health insurance firm concerning your situation first. It’s provided that your situation isn’t resolved throughout the specified time, that it is best to escalate the problem to IRDA.
Here are some extra channels and tips in case your criticism isn’t resolved in time
You have the choice to lodge a medical health insurance criticism by way of three primary channels —Insurance ombudsman, IGMS, and at last, the buyer court docket.
An ombudsman is a government-appointed official who investigates the residents’ complaints in opposition to authorities departments, monetary establishments, enterprise organisations and so forth.
Tip: You can search assist from the insurance coverage ombudsman to discover a resolution and escalate your criticism concerning the problem that has not been resolved by the insurance coverage firm.
IGMS – Integrated Grievance Management System
The IGMS is an internet platform of the IRDA. You can file a criticism in opposition to their insurance coverage supplier right here and hold a monitor of the progress.
Tip: You are assigned a novel criticism ID once you file a criticism. This ID is issued to the related division as effectively for a fast decision. The system additionally assigns a Turnaround Time (TAT) for all complaints registered and ensures an environment friendly criticism decision.
If you fail to discover a resolution even after submitting a criticism with the IRDAI, you may strategy the buyer court docket and file a litigation in opposition to the insurance coverage firm.
Tip: The client court docket has a particular division to deal with medical health insurance complaints that may provide help to to effectively resolve your criticism.
(Edited by : Shoma Bhattacharjee)