{"insurer":{"slug":"narayana-health-insurance","name":"Narayana Health Insurance 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 Narayana Health 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":"support@narayanahealth.insurance","label":"Customer Support Email","level":1,"hours":null,"applies_to":"all","source_url":"https://stgaccinwbsprdlrs01.blob.core.windows.net/nhilprd/Arya_Terms_and_Conditions_aug_2025_359b9ed0dc.pdf?sv=2025-05-05&spr=https&st=2025-08-20T08%3A17%3A28Z&se=2035-08-18T08%3A17%3A28Z&sr=b&sp=r&sig=6oBHiErqHxir12sDOnGD5kOBKrozl5bUQSdei3y8%2F20%3D","quote":"Step 1:\nCall the Customer Support at +91 9821 034071 or email us at support@narayanahealth.insurance\nSenior citizens may call at 1800-203-0234 or email us at seniorcitizencare@narayanahealth.insurance for priority assist","fetched_at":"2026-10-20"},{"purpose":"customer-care","channel":"phone","value":"+91 98210 34071","label":"Customer Support","level":1,"hours":null,"applies_to":"all","source_url":"https://stgaccinwbsprdlrs01.blob.core.windows.net/nhilprd/Arya_Terms_and_Conditions_aug_2025_359b9ed0dc.pdf?sv=2025-05-05&spr=https&st=2025-08-20T08%3A17%3A28Z&se=2035-08-18T08%3A17%3A28Z&sr=b&sp=r&sig=6oBHiErqHxir12sDOnGD5kOBKrozl5bUQSdei3y8%2F20%3D","quote":"co-pay as described in Row 8 of the Customer Information Sheet.\n10 | Policy Servicing | Contact the customer support at +91 98210 34071 or support@narayanahealth.insurance for end-to-end policy servicing. Senior citizens may call at 1800 203 0234. For mor","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"email","value":"grievance@narayanahealth.insurance","label":"Grievance Email","level":null,"hours":null,"applies_to":"all","source_url":"https://www.narayanahealth.insurance/grievance-redressal","quote":"evance support:\n08048248735 (Mon–Sat, 8 AM – 8 PM)\nSenior Citizen Helpline:\n1800 203 0234 (Mon–Sat, 8 AM – 8 PM)\nEmail:\ngrievance@narayanahealth.insurance\nContact our  Grievance Redressal Officer at Corporate Office.\nGrievance Redressal Officer (GRO):\nName:\nMs. Bharathi Bai","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"phone","value":"08048248735","label":"Dedicated Grievance support","level":null,"hours":"Mon–Sat, 8 AM – 8 PM","applies_to":"all","source_url":"https://www.narayanahealth.insurance/grievance-redressal","quote":"ievance online. Please\nClick Here\nOR\nYou can reach out to our other communication channels\nDedicated Grievance support:\n08048248735 (Mon–Sat, 8 AM – 8 PM)\nSenior Citizen Helpline:\n1800 203 0234 (Mon–Sat, 8 AM – 8 PM)\nEmail:\ngrievance@narayanahealth.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 Narayana Health 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":"gro","channel":"email","value":"gro@narayanahealth.insurance","label":"Grievance Redressal Officer (Ms. Bharathi Bai A G)","level":null,"hours":"Monday to Friday - 10am to 6pm. Saturday - 10am to 2pm (except 1st and 3rd Saturday)","applies_to":"all","source_url":"https://www.narayanahealth.insurance/grievance-redressal","quote":"e Office.\nGrievance Redressal Officer (GRO):\nName:\nMs. Bharathi Bai A G\nDesignation:\nGrievance Redressal Officer\nEmail:\ngro@narayanahealth.insurance\nPhone:\n+91 80507 31511\nRegistered Office Address:\nClaims Department,\nNarayana Health Insurance Ltd. ,\nNo. 258/A, Bommas","fetched_at":"2026-10-20"},{"purpose":"gro","channel":"phone","value":"+91 80507 31511","label":"Grievance Redressal Officer (Ms. Bharathi Bai A G)","level":null,"hours":"Monday to Friday - 10am to 6pm. Saturday - 10am to 2pm (except 1st and 3rd Saturday)","applies_to":"all","source_url":"https://www.narayanahealth.insurance/grievance-redressal","quote":"r (GRO):\nName:\nMs. Bharathi Bai A G\nDesignation:\nGrievance Redressal Officer\nEmail:\ngro@narayanahealth.insurance\nPhone:\n+91 80507 31511\nRegistered Office Address:\nClaims Department,\nNarayana Health Insurance Ltd. ,\nNo. 258/A, Bommasandra Industrial Area,","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/narayana-health-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."}