{"insurer":{"slug":"kshema-general-insurance","name":"Kshema General Insurance 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 Kshema General 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":"grievance","channel":"address","value":"Kshema General Insurance Limited\n#413, 4th Floor, My Home Tycoon,\nKundan Bagh, Begumpet,\nHyderabad, Telangana - 500016, India.","label":"Visit Us","level":1,"hours":null,"applies_to":"all","source_url":"https://kshema.co/grievance-redressal/","quote":"y?\nWe are here for you.\nEmail Us\ngrievance.cell@kshema.co\nCall Us\n1800 570 2998 (toll-free)\n8:00 am to 8:00 pm\nVisit Us\nKshema General Insurance Limited\n#413, 4th Floor, My Home Tycoon,\nKundan Bagh, Begumpet,\nHyderabad, Telangana - 500016, India.\nSenior Citizen\ncomplaints.seniorcitizens@kshema.co\nQuick Tip\nConnect with us using your\nregistered mobile number\nHave a","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"email","value":"grievance.cell@kshema.co","label":"Email Us","level":1,"hours":"8:00 am to 8:00 pm","applies_to":"all","source_url":"https://kshema.co/grievance-redressal/","quote":"ransparent and Positive Experience for you.\nStep 1\nTalk To Us\nNeed help with your policy?\nWe are here for you.\nEmail Us\ngrievance.cell@kshema.co\nCall Us\n1800 570 2998 (toll-free)\n8:00 am to 8:00 pm\nVisit Us\nKshema General Insurance Limited\n#413, 4th Floor, My Home","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"email","value":"customer.support@kshema.co","label":"Customer Support Email","level":1,"hours":null,"applies_to":"all","source_url":"https://kshema.co/policy-documents/fire-insurance/kshema-home-insurance/2026/05june2026/policy-wordings.pdf","quote":"gd. Office:# 413, 4th Floor, My Home Tycoon, Kundan Bagh, Begumpet, Hyderabad, Telangana, India- 500016. or email Us at customer.support@kshema.co or through Kshema Application or call us at 1800 572 3013 (toll-free)\n2. If You are not satisfied with the resolution p","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"phone","value":"1800 570 2998","label":"Call Us","level":1,"hours":"8:00 am to 8:00 pm","applies_to":"all","source_url":"https://kshema.co/grievance-redressal/","quote":"e for you.\nStep 1\nTalk To Us\nNeed help with your policy?\nWe are here for you.\nEmail Us\ngrievance.cell@kshema.co\nCall Us\n1800 570 2998 (toll-free)\n8:00 am to 8:00 pm\nVisit Us\nKshema General Insurance Limited\n#413, 4th Floor, My Home Tycoon,\nKundan Bagh,","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"phone","value":"1800 572 3013","label":"Customer Support Toll-free","level":1,"hours":null,"applies_to":"all","source_url":"https://kshema.co/policy-documents/fire-insurance/kshema-home-insurance/2026/05june2026/policy-wordings.pdf","quote":"erabad, Telangana, India- 500016. or email Us at customer.support@kshema.co or through Kshema Application or call us at 1800 572 3013 (toll-free)\n2. If You are not satisfied with the resolution provided, You may escalate to our E-mail grievance.cell@ksh","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 Kshema General 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":"Grievance Redressal Office, Kshema General Insurance Limited, Regd. Office:# 413, 4th Floor, My Home Tycoon, Kundan Bagh, Begumpet, Hyderabad, Telangana, India- 500016","label":"Grievance Redressal Office Address","level":2,"hours":null,"applies_to":"all","source_url":"https://kshema.co/policy-documents/fire-insurance/kshema-home-insurance/2026/05june2026/policy-wordings.pdf","quote":"e to our E-mail grievance.cell@kshema.co or gro@kshema.co or call us at 1800 570 2998 (toll-free) or can write to us at Grievance Redressal Office, Kshema General Insurance Limited, Regd. Office:# 413, 4th Floor, My Home Tycoon, Kundan Bagh, Begumpet, Hyderabad, Telangana, India- 500016 or at the sub section “Grievance Redressal” on our website www.kshema.co.\n3. If you are not satisfied with the resoluti","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"email","value":"gro@kshema.co","label":"Grievance Redressal Officer Mr. Ashish Luthra","level":2,"hours":null,"applies_to":"all","source_url":"https://kshema.co/grievance-redressal/","quote":"pport?\nIf the resolution does not meet your expectations, contact:\nGrievance Redressal Officer\nMr. Ashish Luthra\nEmail:\ngro@kshema.co\nQuick Tip\nConnect with us using your\nregistered mobile number\nComplaint & Grievance Redressal\nRaise & Track Complaints","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/kshema-general-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."}