{"insurer":{"slug":"lic","name":"Life Insurance Corporation of India"},"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 LIC","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":"phone","value":"+91-22-68276827","label":"Customer Care Phone Number","level":null,"hours":"24*7","applies_to":"all","source_url":"https://licindia.in/web/guest/grievances","quote":"Corporation \r\n   of India.\nNavigation\nSkip to Content\nMenu Display\nVoice Search\nSearch\nSkip to main content\n8976862090\n+91-22-68276827\nBranch Locator\nLanguage Selector\nenglish\nहिन्दी [beta]\nमराठी\nA+\nA\nA-\nA\nA\nAbout Us\nHistory\nObjectives Of LIC\nMission/Vis","fetched_at":"2026-10-20"},{"purpose":"customer-care","channel":"phone","value":"8976862090","label":"Customer Care Phone Number","level":null,"hours":"24*7","applies_to":"all","source_url":"https://licindia.in/web/guest/grievances","quote":"e Insurance Corporation \r\n   of India.\nNavigation\nSkip to Content\nMenu Display\nVoice Search\nSearch\nSkip to main content\n8976862090\n+91-22-68276827\nBranch Locator\nLanguage Selector\nenglish\nहिन्दी [beta]\nमराठी\nA+\nA\nA-\nA\nA\nAbout Us\nHistory\nObjectives Of","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"address","value":"'Yogakshema' , Jeevan Bima Marg, P.O. Box No19953, Mumbai – 400 021.","label":"Corporate Office Address","level":null,"hours":null,"applies_to":"all","source_url":"https://licindia.in/web/guest/grievances","quote":"any grievances, email at\nco_complaints[at]licindia[dot]com\nCorporate Office\n: Life Insurance Corporation of India \r\n\t\t\t\t'Yogakshema' , Jeevan Bima Marg, P.O. Box No19953, \r\n\t\t\t\tMumbai – 400 021. IRDAI Reg No- 512\nFor any query regarding this website, please contact the Web Information Manager\nSmt. Himali As","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"email","value":"co_healthsc@licindia.com","label":"Senior Citizens Health Grievance Email","level":null,"hours":null,"applies_to":"health","source_url":"https://licindia.in/documents/20121/124155/Sample_Policy_Document_LIC-s-Arogya-Rakshak.pdf/ed974eaa-4330-7732-6a85-43cfd7980a67?t=1669266625981","quote":"District Court Judge is member of each of the Claims Dispute Redressal Committees. For Senior Citizens:\nEmail address: co_healthsc@licindia.com Health Toll free Number: 18004259876\nOf IRDAI:\nIn case the customer is not satisfied with the response or do not receiv","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"phone","value":"+91-22-68276827","label":"LIC Call Center","level":null,"hours":"24*7","applies_to":"all","source_url":"https://licindia.in/phone-help-line","quote":"Corporation \r\n   of India.\nNavigation\nSkip to Content\nMenu Display\nVoice Search\nSearch\nSkip to main content\n8976862090\n+91-22-68276827\nBranch Locator\nLanguage Selector\nenglish\nहिन्दी [beta]\nमराठी\nA+\nA\nA-\nA\nA\nAbout Us\nHistory\nObjectives Of LIC\nMission/Vis","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"phone","value":"8976862090","label":"LIC Call Center","level":null,"hours":"24*7","applies_to":"all","source_url":"https://licindia.in/phone-help-line","quote":"e Insurance Corporation \r\n   of India.\nNavigation\nSkip to Content\nMenu Display\nVoice Search\nSearch\nSkip to main content\n8976862090\n+91-22-68276827\nBranch Locator\nLanguage Selector\nenglish\nहिन्दी [beta]\nमराठी\nA+\nA\nA-\nA\nA\nAbout Us\nHistory\nObjectives Of","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"sms","value":"SMS LICHELP <pol.no.> to 9222492224","label":"Grievance Redressal SMS","level":null,"hours":null,"applies_to":"all","source_url":"https://licindia.in/phone-help-line","quote":"Branch / Division / Zonal / Corporate Level.\n(For details click on the `Grievances' tab on the homepage).\nSMS LICHELP :\nSMS LICHELP <pol.no.> to 9222492224.\nDetails of Health Insurance TPA along with Toll Free Numbers\n(Content: English | Format: PDF | View/Download |Size: 44","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 LIC'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":[],"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/lic","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."}