{"insurer":{"slug":"kotak-mahindra-life-insurance","name":"Kotak Mahindra Life Insurance Company Limited"},"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 Kotak Mahindra 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":"address","value":"Customer Care, Kotak Mahindra Life Insurance Company Limited, 9th floor, Intellion Square (Bldg No. 4), Infinity IT Park, Gen. AK Vaidya Marg, Malad (E), Mumbai-400 097","label":"Customer Care Department","level":1,"hours":null,"applies_to":"all","source_url":"https://www.kotaklife.com/assets/images/uploads/how_do_i/Kotak_Signature_Legacy_UIN_107N135V01_Policy_Document.pdf","quote":"or resolution:\n• visit any of the Insurer’s nearest branches;\n• write to the Insurer’s customer service department at - Customer Care, Kotak Mahindra Life Insurance Company Limited, 9th floor, Intellion Square (Bldg No. 4), Infinity IT Park, Gen. AK Vaidya Marg, Malad (E), Mumbai-400 097;\n• call the Insurer’s toll free number at 1800 209 8800;\n• write to the Insurer at https://kli.in/WECARE\nEscalation mec","fetched_at":"2026-10-20"},{"purpose":"customer-care","channel":"phone","value":"1800 209 8800","label":"Toll Free","level":1,"hours":null,"applies_to":"all","source_url":"https://www.kotaklife.com/assets/images/uploads/how_do_i/Kotak_Protect_India_UIN_107N130V01_Policy_Document.pdf","quote":"ing No. 21, Infinity Park, Off Western Express Highway, Goregaon Mulund Link Road, Malad East, Mumbai 400097 Toll Free: 1800 209 8800 kli.in/WECARE\nA Non-Linked, Non-Participating, Individual, Pure Protection Life Insurance Plan UIN: 107N130V01 Kotak Ma","fetched_at":"2026-10-20"},{"purpose":"customer-care","channel":"url","value":"https://kli.in/WECARE","label":"Customer Care Website","level":1,"hours":null,"applies_to":"all","source_url":"https://www.kotaklife.com/assets/images/uploads/how_do_i/Kotak_Signature_Legacy_UIN_107N135V01_Policy_Document.pdf","quote":"idya Marg, Malad (E), Mumbai-400 097;\n• call the Insurer’s toll free number at 1800 209 8800;\n• write to the Insurer at https://kli.in/WECARE\nEscalation mechanism of the Insurer:\nIn case the Policyholder/ complainant is not satisfied with the decision provided","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"address","value":"Customer Care, Kotak Mahindra Life Insurance Company Ltd, Kotak Towers, 7th Floor, Zone IV, Building No. 21, Infinity Park, Off Western Express Highway, Goregaon Mulund Link Road, Malad East, Mumbai 400097","label":"Customer Service Department","level":1,"hours":null,"applies_to":"all","source_url":"https://www.kotaklife.com/assets/images/uploads/how_do_i/Kotak_Protect_India_UIN_107N130V01_Policy_Document.pdf","quote":"u may approach any of our nearest branches or you may contact our Customer Service Department at the following address:\nCustomer Care, Kotak Mahindra Life Insurance Company Ltd, Kotak Towers, 7th Floor, Zone IV, Building No. 21, Infinity Park, Off Western Express Highway, Goregaon Mulund Link Road, Malad East, Mumbai 400097 Toll Free: 1800 209 8800 kli.in/WECARE\nA Non-Linked, Non-Participating, Individual, Pure Protection Life Insurance Plan","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"address","value":"Claims Department Kotak Mahindra Life Insurance Company Ltd 9th floor, Intellion Square (Bldg. No. 4), Infinity IT Park, Gen. AK Vaidya Marg, Malad (E), Mumbai-400 097","label":"Claims Department Address","level":1,"hours":null,"applies_to":"life","source_url":"https://www.kotaklife.com/assets/images/uploads/how_do_i/Kotak_Signature_Legacy_UIN_107N135V01_Policy_Document.pdf","quote":"sary documents at any of our branches or send the documents directly to our head office at the below mentioned address:\nClaims Department Kotak Mahindra Life Insurance Company Ltd 9th floor, Intellion Square (Bldg. No. 4), Infinity IT Park, Gen. AK Vaidya Marg, Malad (E), Mumbai-400 097.\n\nIn case the Policyholder/ complainant has any complaint(s) or grievance(s) against the Insurer, he/ she may approach","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"url","value":"kli.in/WECARE","label":"Customer Service Website","level":1,"hours":null,"applies_to":"all","source_url":"https://www.kotaklife.com/assets/images/uploads/how_do_i/Kotak_Protect_India_UIN_107N130V01_Policy_Document.pdf","quote":"finity Park, Off Western Express Highway, Goregaon Mulund Link Road, Malad East, Mumbai 400097 Toll Free: 1800 209 8800 kli.in/WECARE\nA Non-Linked, Non-Participating, Individual, Pure Protection Life Insurance Plan UIN: 107N130V01 Kotak Mahindra Life In","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 Kotak Mahindra 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":"address","value":"The Grievance Redressal Officer, Kotak Mahindra Life Insurance Company Ltd, Kotak Towers, 7th Floor, Zone IV, Building No. 21, Infinity Park, Off Western Express Highway, Goregaon Mulund Link Road, Malad East, Mumbai 400097","label":"Grievance Redressal Officer","level":2,"hours":null,"applies_to":"all","source_url":"https://www.kotaklife.com/assets/images/uploads/how_do_i/Kotak_Protect_India_UIN_107N130V01_Policy_Document.pdf","quote":"above office, or have not received any response within 10 days, you may contact the following official for resolution:\nThe Grievance Redressal Officer, Kotak Mahindra Life Insurance Company Ltd, Kotak Towers, 7th Floor, Zone IV, Building No. 21, Infinity Park, Off Western Express Highway, Goregaon Mulund Link Road, Malad East, Mumbai 400097 Contact No: 1800 209 8800 Email ID: kli.grievance@kotak.com\n3. If you are not satisfied with the response or do not rec","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"address","value":"The Grievance Redressal Officer, Kotak Mahindra Life Insurance Company Limited, 9th floor, Intellion Square (Bldg No. 4), Infinity IT Park, Gen. AK Vaidya Marg, Malad (E), Mumbai-400 097","label":"Grievance Redressal Officer","level":2,"hours":null,"applies_to":"all","source_url":"https://www.kotaklife.com/assets/images/uploads/how_do_i/Kotak_Signature_Legacy_UIN_107N135V01_Policy_Document.pdf","quote":"with the decision provided by the above office(s) or has not received any response within 14 days, he/ she may contact the Grievance Redressal Officer of the Insurer using any of the following modes for resolution:\n• write to the Insurer’s Grievance Redressal Officer at - The Grievance Redressal Officer, Kotak Mahindra Life Insurance Company Limited, 9th floor, Intellion Square (Bldg No. 4), Infinity IT Park, Gen. AK Vaid","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"email","value":"kli.grievance@kotak.com","label":"Grievance Redressal Officer Email ID","level":2,"hours":null,"applies_to":"all","source_url":"https://www.kotaklife.com/assets/images/uploads/how_do_i/Kotak_Protect_India_UIN_107N130V01_Policy_Document.pdf","quote":", Off Western Express Highway, Goregaon Mulund Link Road, Malad East, Mumbai 400097 Contact No: 1800 209 8800 Email ID: kli.grievance@kotak.com\n3. If you are not satisfied with the response or do not receive a response from us within 15 days, you may approach the","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"phone","value":"1800 209 8800","label":"Grievance Redressal Officer Contact No","level":2,"hours":null,"applies_to":"all","source_url":"https://www.kotaklife.com/assets/images/uploads/how_do_i/Kotak_Protect_India_UIN_107N130V01_Policy_Document.pdf","quote":"ing No. 21, Infinity Park, Off Western Express Highway, Goregaon Mulund Link Road, Malad East, Mumbai 400097 Toll Free: 1800 209 8800 kli.in/WECARE\nA Non-Linked, Non-Participating, Individual, Pure Protection Life Insurance Plan UIN: 107N130V01 Kotak Ma","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"phone","value":"1800 4254 732","label":"IRDAI Grievance Call Centre (IGCC) Toll Free","level":3,"hours":null,"applies_to":"all","source_url":"https://www.kotaklife.com/assets/images/uploads/how_do_i/Kotak_Protect_India_UIN_107N130V01_Policy_Document.pdf","quote":"Authority of India (IRDAI) on the following contact details:\nIRDAI Grievance Call Centre (IGCC) TOLL FREE NO:155255 or 1800 4254 732 Email ID: complaints@irdai.gov.in You can also register your complaint online at http://www.igms.irda.gov.in/\nAddress |","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/kotak-mahindra-life-insurance","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."}