{"insurer":{"slug":"bharti-life-ins","name":"Bharti Life Ins Co Ltd"},"issue":"other","issue_label":"Something else","rule":"An insurer must acknowledge a complaint at once and resolve it within 14 days, giving reasons with reference to the policy terms if it does not accept it.","rule_law":{"title":"IRDAI Master Circular on Protection of Policyholders' Interests, 2024","ref":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},"state":null,"steps":[{"n":1,"title":"Write to Bharti Life Insurance","when":"First. The insurer must reply within 14 days.","what":"Send a written complaint (e-mail is fine) with your policy and claim numbers and copies of the documents. Ask for a resolution of the problem described above. Keep the acknowledgement and its reference number.","contacts":[{"purpose":"customer-care","channel":"email","value":"service@bhartiaxa.com","label":"Customer Service Email","level":null,"hours":null,"applies_to":"all","source_url":"https://www.bhartiaxa.com/","quote":"ut Bharti AXA\nCareers\nMedia Center\nKnowledge Hub\nContact Us\nCall us\n1800-102-4444\nMon-Sat : 9 AM to 7 PM (IST)\nEmail us\nservice@bhartiaxa.com\nWhatsApp us\n02248815768\nClick here to receive WhatsApp communication from us\nApply for loan in less than a minute!\nMobi","fetched_at":"2026-10-20"},{"purpose":"customer-care","channel":"phone","value":"1800-102-4444","label":"Customer Care Toll-Free Number","level":null,"hours":"Mon-Sat : 9 AM to 7 PM (IST)","applies_to":"all","source_url":"https://www.bhartiaxa.com/","quote":"e Calculator\nChild Education Planning Calculator\nAbout Bharti AXA\nCareers\nMedia Center\nKnowledge Hub\nContact Us\nCall us\n1800-102-4444\nMon-Sat : 9 AM to 7 PM (IST)\nEmail us\nservice@bhartiaxa.com\nWhatsApp us\n02248815768\nClick here to receive WhatsApp comm","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"address","value":"Bharti AXA Life Insurance Company Limited Unit No. 1902, 19th Floor, Parinee Crescenzo, 'G' Block, BandraKurla Complex, BKC Road, Near MCA Club, Bandra East, Mumbai-400051.","label":"Registered office","level":1,"hours":null,"applies_to":"all","source_url":"https://www.bhartiaxa.com/grievance-redressal","quote":"the below options:\nLodge your complaint\nonline here\ncomplaints.unit@bhartiaxa.com\nReach Out to Us at:\nRegistered office\nBharti AXA Life Insurance Company Limited Unit No. 1902, 19th Floor, Parinee Crescenzo, 'G' Block, BandraKurla Complex, BKC Road, Near MCA Club, Bandra East, Mumbai-400051.\nGrievance Redressal Cell\nBharti AXA Life Insurance Company Limited Spectrum Towers, 3rd Floor, Malad link road, Malad (","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"address","value":"Bharti AXA Life Insurance Company Limited Spectrum Towers, 3rd Floor, Malad link road, Malad (west), Mumbai–400064.","label":"Grievance Redressal Cell","level":1,"hours":null,"applies_to":"all","source_url":"https://www.bhartiaxa.com/grievance-redressal","quote":"the below options:\nLodge your complaint\nonline here\ncomplaints.unit@bhartiaxa.com\nReach Out to Us at:\nRegistered office\nBharti AXA Life Insurance Company Limited Unit No. 1902, 19th Floor, Parinee Crescenzo, 'G' Block, BandraKurla Complex, BKC Road, Near MCA Club, Bandra East, Mumbai-400051.\nGrievance Redressal Cell\nBharti AXA Life Insurance Company Lim","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"address","value":"Grievance Redressal Cell Bharti AXA Life Insurance Company Ltd. Spectrum tower, 3rd Floor, Malad link road, Malad (west), Mumbai 400064. Maharashtra","label":"Grievance Redressal Cell Address","level":1,"hours":null,"applies_to":"all","source_url":"https://www.bhartiaxa.com/sites/default/files/Withdrawn_Product/Bharti-AXA-Life-Loan-Secure_Policy_Bond.pdf","quote":"Step 1: Inform us about your grievance In case you have any grievance, you may approach our Grievance Redressal Cell at any of the belowmentioned helplines:\n• Lodge your complaint onlineatwww.bhartiaxa.com\n• Call us at our toll free no. 1800 102 4444\n• Email us at complaints.unit@bhartiaxa.com\n• Write to us at:\nGrievance Redressal Cell Bharti AXA Life Insura","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"email","value":"complaints.unit@bhartiaxa.com","label":"Grievance Redressal Cell Email","level":1,"hours":null,"applies_to":"all","source_url":"https://www.bhartiaxa.com/grievance-redressal","quote":"vance, you may approach our Grievance Redressal Cell through any of the below options:\nLodge your complaint\nonline here\ncomplaints.unit@bhartiaxa.com\nReach Out to Us at:\nRegistered office\nBharti AXA Life Insurance Company Limited Unit No. 1902, 19th Floor, Parinee Cres","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"phone","value":"1800 102 4444","label":"Grievance Redressal Cell Toll Free","level":1,"hours":null,"applies_to":"all","source_url":"https://www.bhartiaxa.com/sites/default/files/Withdrawn_Product/Bharti-AXA-Life-Loan-Secure_Policy_Bond.pdf","quote":"at any of the belowmentioned helplines:\n• Lodge your complaint onlineatwww.bhartiaxa.com\n• Call us at our toll free no. 1800 102 4444\n• Email us at complaints.unit@bhartiaxa.com\n• Write to us at:\nGrievance Redressal Cell Bharti AXA Life Insurance Compan","fetched_at":"2026-10-20"}],"law":[{"title":"IRDAI Master Circular on Protection of Policyholders' Interests, 2024","ref":"Sec 1, Part A, VI.1 and VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"n":2,"title":"Escalate to Bharti Life Insurance's Grievance Redressal Officer","when":"If there is no reply in 14 days, or you do not accept it.","what":"Forward your first complaint and its reference number, and say why the reply does not resolve it.","contacts":[{"purpose":"grievance","channel":"email","value":"gro@bhartiaxa.com","label":"Grievance Redressal Officer Email","level":1,"hours":null,"applies_to":"all","source_url":"https://www.bhartiaxa.com/grievance-redressal","quote":"cenzo 'G' Block, Bandra Kurla Complex, BKC Road Near MCA Club, Bandra East Mumbai - 400051, Maharashtra\nContact details\ngro@bhartiaxa.com\n022 - 4881 5678\nWe’re Here to Listen\nRegister Complaint\nTrack Complaint\nWith Policy No.\nWithout Policy No.\nFull Name\nFu","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"phone","value":"022 - 4881 5678","label":"Grievance Redressal Officer Phone","level":1,"hours":null,"applies_to":"all","source_url":"https://www.bhartiaxa.com/grievance-redressal","quote":"andra Kurla Complex, BKC Road Near MCA Club, Bandra East Mumbai - 400051, Maharashtra\nContact details\ngro@bhartiaxa.com\n022 - 4881 5678\nWe’re Here to Listen\nRegister Complaint\nTrack Complaint\nWith Policy No.\nWithout Policy No.\nFull Name\nFull Name\nPolicy N","fetched_at":"2026-10-20"},{"purpose":"escalation","channel":"email","value":"head.customerservice@bhartiaxa.com","label":"Head Customer Service Email","level":2,"hours":null,"applies_to":"all","source_url":"https://www.bhartiaxa.com/grievance-redressal","quote":"el 1 or if you have not received any response post completion of 14 days, you may write to our Head Customer Service at\nhead.customerservice@bhartiaxa.com.\nLevel\n3\nInsurance Ombudsman\nIn case you are not satisfied with the decision of the Company, you may approach the Insur","fetched_at":"2026-10-20"},{"purpose":"escalation","channel":"phone","value":"(91) 22 4249 6711","label":"Grievance Officer Phone","level":2,"hours":null,"applies_to":"all","source_url":"https://www.bhartiaxa.com/sites/default/files/Withdrawn_Product/Bharti-AXA-Life-Loan-Secure_Policy_Bond.pdf","quote":"alad link road, Malad\n(west), Mumbai 400064. Maharashtra’\n• Email us at head.customerservice@bhartiaxa.com\n• Call us at (91) 22 4249 6711\nYou are requested to inform us about your concern within 8 weeks of receipt of resolution, failing which we will deem t","fetched_at":"2026-10-20"},{"purpose":"escalation","channel":"phone","value":"1800 425 4732","label":"IRDAI Toll-Free Helpline","level":3,"hours":null,"applies_to":"all","source_url":"https://www.bhartiaxa.com/grievance-redressal","quote":"use these official alternative avenues to reach the IRDAI Grievance Redressal Cell:\nToll-Free Helpline\n: Call 155255 or 1800 425 4732\nEmail\n: Send your complaint details to\ncomplaints@irdai.gov.in\nPhysical Mail\n: Write to the Consumer Affairs Department","fetched_at":"2026-10-20"}],"law":[]},{"n":3,"title":"Register on Bima Bharosa (IRDAI)","when":"Any time; it tracks your complaint against the insurer.","what":"Register the complaint on IRDAI's portal; the insurer's grievance system is linked to it.","contacts":[{"label":"Bima Bharosa (IRDAI grievance portal)","channel":"url","value":"https://bimabharosa.irdai.gov.in/","source_url":"https://bimabharosa.irdai.gov.in/"}],"law":[{"title":"IRDAI Master Circular on Protection of Policyholders' Interests, 2024","ref":"Sec 1, Part A, VI.1(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"n":4,"title":"The Insurance Ombudsman for your area","when":"If the insurer rejects your complaint, does not reply within one month, or you are not satisfied. Within one year of the insurer's reply.","what":"Free. For a loss up to Rs 50 lakh. Write (or file online) with your name and address, the insurer's office, the facts, the supporting documents, the loss and the relief you want. You cannot go to the Ombudsman on a matter already before a court, consumer commission or arbitrator.","contacts":[{"label":"Insurance Ombudsman: register a complaint online","channel":"url","value":"https://cioins.co.in/Complaint/Online","source_url":"https://cioins.co.in/Complaint/Online"}],"law":[{"title":"Insurance Ombudsman Rules, 2017","ref":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","ref":"Rule 17","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"IRDAI Master Circular on Protection of Policyholders' Interests, 2024","ref":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"n":5,"title":"Consumer commission","when":"Instead of the Ombudsman, or for a larger loss.","what":"File a consumer complaint. The District Commission hears claims up to Rs 50 lakh, the State Commission up to Rs 2 crore, the National Commission above that.","contacts":[{"label":"e-Jagriti (consumer commission filing)","channel":"url","value":"https://e-jagriti.gov.in/","source_url":"https://e-jagriti.gov.in/"}],"law":[{"title":"Consumer Protection (Jurisdiction) Rules, 2021","ref":"Rules 3 to 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"}]}],"forms":[],"issues":{"claim-rejected":"Claim rejected","claim-partly-paid":"Claim cut or partly paid","claim-delayed":"Claim not settled in time","late-intimation":"Rejected for late intimation or missing documents","cashless-denied":"Cashless denied or delayed","refund":"Refund or cancellation","service":"Service request not done","mis-selling":"Mis-sold or policy differs from the proposal","other":"Something else"},"draft":"https://indiainsurances.com/api/v1/draft-complaint","page":"https://indiainsurances.com/complain/bharti-life-ins","notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim."}