The stages of an insurance complaint for Life and Health Insurance in India follow a structured, multi-tier grievance redressal system established by the IRDAI and the Council for Insurance Ombudsmen. Stage 1: Complain to the Insurance Company (Grievance Redressal Officer) • File a Written Complaint: Send a formal written complaint directly to the insurance company’s customer care, branch, or designated Grievance Redressal Officer (GRO) via email or their official website. Keep a copy of the complaint reference/token number. • Timeline for Insurer to Respond: The insurance company or broker must review and address your complaint within 14 to 30 days […]