{"insurer":{"slug":"oriental-insurance","name":"The Oriental 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 Oriental 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":"phone","value":"1800118485","label":"Toll free","level":null,"hours":null,"applies_to":"all","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/Happy_Family_Floater_2021_policy_wordings_04ad8fa002.pdf","quote":"company through\nWebsite: www.orientalinsurance.org.in Toll free: 1800118485 Or 011- 33208485 E-mail: csd@orientalinsurance.co.in\nInsured person may also approach the grievance cell at any of the","fetched_at":"2026-10-20"},{"purpose":"customer-care","channel":"phone","value":"011- 33208485","label":"Customer Care Phone","level":null,"hours":null,"applies_to":"all","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/Happy_Family_Floater_2021_policy_wordings_04ad8fa002.pdf","quote":"company through\nWebsite: www.orientalinsurance.org.in Toll free: 1800118485 Or 011- 33208485 E-mail: csd@orientalinsurance.co.in\nInsured person may also approach the grievance cell at any of the company’s branche","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"address","value":"Office of the Insurance Ombudsman, 6- 2-46, 1st floor, \"Moin Court\", Lane Opp. Saleem Function Palace, A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004","label":"Insurance Ombudsman Hyderabad","level":null,"hours":null,"applies_to":"all","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/2_UAV_UDAN_Policy_Wordings_1_9c60e6776b.pdf","quote":"f the policy document\nOffice Details | Jurisdiction of Office Union Territory, District) | HYDERABAD - Shri N. Sankaran Office of the Insurance Ombudsman, 6- 2-46, 1st floor, \"Moin Court\", Lane Opp. Saleem Function Palace, A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004. Tel.: 040 – 23312122 Email: bimalokpal.hyderabad@cioins.co.in | Andhra Pradesh, Telangana, Yanam and part of Territory","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"address","value":"Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001","label":"Insurance Ombudsman Ahmedabad","level":null,"hours":null,"applies_to":"all","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/2_UAV_UDAN_Policy_Wordings_1_9c60e6776b.pdf","quote":"f the policy document\nOffice Details | Jurisdiction of Office Union Territory, District) | HYDERABAD - Shri N. Sankaran Office of the Insurance Ombudsman, 6- 2-46, 1st floor, \"Moin Court\", Lane Opp. Saleem Function Palace, A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004. Tel.: 040 – 23312122 Email: bimalokpal.hyderabad@cioins.co.in | Andhra Pradesh, Te","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"address","value":"Office of the Insurance Ombudsman, Jeevan Nidhi - II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005","label":"Insurance Ombudsman Jaipur","level":null,"hours":null,"applies_to":"all","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/2_UAV_UDAN_Policy_Wordings_1_9c60e6776b.pdf","quote":"f the policy document\nOffice Details | Jurisdiction of Office Union Territory, District) | HYDERABAD - Shri N. Sankaran Office of the Insurance Ombudsman, 6- 2-46, 1st floor, \"Moin Court\", Lane Opp. Saleem Function Palace, A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004. Tel.: 040 – 23312122 Email: bimalokpal.hyderabad@cioins.co.in | Andhra Pra","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"address","value":"Office of the Insurance Ombudsman, Jeevan Soudha Building, PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru - 560 078","label":"Insurance Ombudsman Bengaluru","level":null,"hours":null,"applies_to":"all","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/2_UAV_UDAN_Policy_Wordings_1_9c60e6776b.pdf","quote":"f the policy document\nOffice Details | Jurisdiction of Office Union Territory, District) | HYDERABAD - Shri N. Sankaran Office of the Insurance Ombudsman, 6- 2-46, 1st floor, \"Moin Court\", Lane Opp. Saleem Function Palace, A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004. Tel.: 040 – 23312122 Email: bimalokpal.hyderabad@cioins.co.in | Andhra Pradesh, Telangana, Yanam and part of Territory of","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"address","value":"Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College,M.G.Road, Ernakulam - 682 011","label":"Insurance Ombudsman Ernakulam","level":null,"hours":null,"applies_to":"all","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/2_UAV_UDAN_Policy_Wordings_1_9c60e6776b.pdf","quote":"f the policy document\nOffice Details | Jurisdiction of Office Union Territory, District) | HYDERABAD - Shri N. Sankaran Office of the Insurance Ombudsman, 6- 2-46, 1st floor, \"Moin Court\", Lane Opp. Saleem Function Palace, A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004. Tel.: 040 – 23312122 Email: bimalokpal.hyderabad@cioins.co.in | Andhra Pradesh, Telangana, Yanam a","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"address","value":"Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir, Bhopal – 462 011","label":"Insurance Ombudsman Bhopal","level":null,"hours":null,"applies_to":"all","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/2_UAV_UDAN_Policy_Wordings_1_9c60e6776b.pdf","quote":"f the policy document\nOffice Details | Jurisdiction of Office Union Territory, District) | HYDERABAD - Shri N. Sankaran Office of the Insurance Ombudsman, 6- 2-46, 1st floor, \"Moin Court\", Lane Opp. Saleem Function Palace, A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004. Tel.: 040 – 23312122 Email: bimalokpal.hyderabad@cioins.co.in | Andhra Pradesh, Telangana","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"address","value":"Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072","label":"Insurance Ombudsman Kolkata","level":null,"hours":null,"applies_to":"all","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/2_UAV_UDAN_Policy_Wordings_1_9c60e6776b.pdf","quote":"f the policy document\nOffice Details | Jurisdiction of Office Union Territory, District) | HYDERABAD - Shri N. Sankaran Office of the Insurance Ombudsman, 6- 2-46, 1st floor, \"Moin Court\", Lane Opp. Saleem Function Palace, A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004. Tel.: 040 – 23312122 Email: bimalokpal.hyderabad@cioins.co.in | Andhra","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"address","value":"Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001","label":"Insurance Ombudsman Lucknow","level":null,"hours":null,"applies_to":"all","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/2_UAV_UDAN_Policy_Wordings_1_9c60e6776b.pdf","quote":"f the policy document\nOffice Details | Jurisdiction of Office Union Territory, District) | HYDERABAD - Shri N. Sankaran Office of the Insurance Ombudsman, 6- 2-46, 1st floor, \"Moin Court\", Lane Opp. Saleem Function Palace, A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004. Tel.: 040 – 23312122 Email: bimalokpal.hyderabad@cioins.co.in | Andhra Pradesh, Telanga","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"address","value":"Office of the Insurance Ombudsman, S.C.O. No. 101, 102 & 103, 2nd Floor, Batra Building, Sector 17 - D, Chandigarh - 160 017","label":"Insurance Ombudsman Chandigarh","level":null,"hours":null,"applies_to":"all","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/2_UAV_UDAN_Policy_Wordings_1_9c60e6776b.pdf","quote":"f the policy document\nOffice Details | Jurisdiction of Office Union Territory, District) | HYDERABAD - Shri N. Sankaran Office of the Insurance Ombudsman, 6- 2-46, 1st floor, \"Moin Court\", Lane Opp. Saleem Function Palace, A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004. Tel.: 040 – 23312122 Email: bimalokpal.hyderabad@cioins.co.in | Andhra Pradesh, Telangana,","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"address","value":"Office of the Insurance Ombudsman, 3rd Floor, Jeevan SevaAnnexe, S. V. Road, Santacruz (W), Mumbai - 400 054","label":"Insurance Ombudsman Mumbai","level":null,"hours":null,"applies_to":"all","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/2_UAV_UDAN_Policy_Wordings_1_9c60e6776b.pdf","quote":"f the policy document\nOffice Details | Jurisdiction of Office Union Territory, District) | HYDERABAD - Shri N. Sankaran Office of the Insurance Ombudsman, 6- 2-46, 1st floor, \"Moin Court\", Lane Opp. Saleem Function Palace, A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004. Tel.: 040 – 23312122 Email: bimalokpal.hyderabad@cioins.co.in | Andhra Prad","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"email","value":"csd@orientalinsurance.co.in","label":"Customer Care Department email","level":null,"hours":null,"applies_to":"all","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/2_UAV_UDAN_Policy_Wordings_1_9c60e6776b.pdf","quote":"e remains unaddressed, the insured person may contact the Officer, Customer Care Department, Head Office or email us at csd@orientalinsurance.co.in. OMBUDSMAN: The Insured person can also approach the office of Insurance Ombudsman of the respective area/region for re","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"phone","value":"040 – 23312122","label":"Insurance Ombudsman Hyderabad Tel.","level":null,"hours":null,"applies_to":"all","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/2_UAV_UDAN_Policy_Wordings_1_9c60e6776b.pdf","quote":"-46, 1st floor, \"Moin Court\", Lane Opp. Saleem Function Palace, A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004. Tel.: 040 – 23312122 Email: bimalokpal.hyderabad@cioins.co.in | Andhra Pradesh, Telangana, Yanam and part of Territory of Pondicherry.\nAHMED","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"phone","value":"079 - 25501201/02/05/06","label":"Insurance Ombudsman Ahmedabad Tel.","level":null,"hours":null,"applies_to":"all","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/2_UAV_UDAN_Policy_Wordings_1_9c60e6776b.pdf","quote":"ice of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001. Tel.: 079 - 25501201/02/05/06 Email: bimalokpal.ahmedabad@cioins.co.i n | Gujarat, Dadra & Nagar Haveli, Daman and Diu. | JAIPUR - Shri Rajiv Dutt Sh","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"phone","value":"0141- 2740363/2740798","label":"Insurance Ombudsman Jaipur Tel.","level":null,"hours":null,"applies_to":"all","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/2_UAV_UDAN_Policy_Wordings_1_9c60e6776b.pdf","quote":"arma Office of the Insurance Ombudsman, Jeevan Nidhi - II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005. Tel.: 0141- 2740363/2740798 Email: bimalokpal.jaipur@cioins.co.in | Rajasthan.\nBENGALURU - Mr Vipin Anand Office of the Insurance Ombudsman, Jeevan","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"phone","value":"080 - 26652048 / 26652049","label":"Insurance Ombudsman Bengaluru Tel.","level":null,"hours":null,"applies_to":"all","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/2_UAV_UDAN_Policy_Wordings_1_9c60e6776b.pdf","quote":"oudha Building, PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru - 560 078. Tel.: 080 - 26652048 / 26652049 Email: bimalokpal.bengaluru@cioins.co.in | Karnataka. | ERNAKULAM - Shri G. Radhakrishnan Office of the Insurance Ombud","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"phone","value":"0484 - 2358759","label":"Insurance Ombudsman Ernakulam Tel.","level":null,"hours":null,"applies_to":"all","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/2_UAV_UDAN_Policy_Wordings_1_9c60e6776b.pdf","quote":"ance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College,M.G.Road, Ernakulam - 682 011. Tel.: 0484 - 2358759 Email: bimalokpal.ernakulam@cioins.co.in | Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry.\nBHOPAL -","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"phone","value":"0755 - 2769201 / 2769202","label":"Insurance Ombudsman Bhopal Tel.","level":null,"hours":null,"applies_to":"all","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/2_UAV_UDAN_Policy_Wordings_1_9c60e6776b.pdf","quote":"the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir, Bhopal – 462 011. Tel.: 0755 - 2769201 / 2769202 Email: bimalokpal.bhopal@cioins.co.in | Madhya Pradesh, Chattisgarh. | KOLKATA - Ms Kiran Sahdev Office of the Insuranc","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"phone","value":"033 - 22124339 / 22124341","label":"Insurance Ombudsman Kolkata Tel.","level":null,"hours":null,"applies_to":"all","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/2_UAV_UDAN_Policy_Wordings_1_9c60e6776b.pdf","quote":"n Sahdev Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072. Tel.: 033 - 22124339 / 22124341 Email: bimalokpal.kolkata@cioins.co.in | West Bengal, Sikkim, Andaman & Nicobar Islands.\nBHUBANESHWAR - Shri Manoj Kuma","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"phone","value":"0522 - 4002082 / 3500613","label":"Insurance Ombudsman Lucknow Tel.","level":null,"hours":null,"applies_to":"all","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/2_UAV_UDAN_Policy_Wordings_1_9c60e6776b.pdf","quote":"f the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001. Tel.: 0522 - 4002082 / 3500613 Email: bimalokpal.lucknow@cioins.co.in | Some Districts of Uttar Pradesh\nTel.: 0522 - 4002082 / 3500613 Email: bimalokp","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"phone","value":"0172 - 4646394 / 2706468","label":"Insurance Ombudsman Chandigarh Tel.","level":null,"hours":null,"applies_to":"all","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/2_UAV_UDAN_Policy_Wordings_1_9c60e6776b.pdf","quote":"nath Ghosh (excluding Gurugram, Faridabad,\n& 103, 2nd Floor, Batra Building, Sector 17 - D, Chandigarh - 160 017. Tel.: 0172 - 4646394 / 2706468 Email: bimalokpal.chandigarh@cioins.co.i n | Sonepat and | Road, Santacruz (W), Mumbai - 400 054. Tel.: 022 - 69038800/","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"phone","value":"022 - 69038800/27/29/31/32/33","label":"Insurance Ombudsman Mumbai Tel.","level":null,"hours":null,"applies_to":"all","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/2_UAV_UDAN_Policy_Wordings_1_9c60e6776b.pdf","quote":"46394 / 2706468 Email: bimalokpal.chandigarh@cioins.co.i n | Sonepat and | Road, Santacruz (W), Mumbai - 400 054. Tel.: 022 - 69038800/27/29/31/32/33 Email: bimalokpal.mumbai@cioins.co.in | Navi Mumbai & Thane.\nBahadurgarh), Himachal Pradesh, Union Territories of Jammu","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"url","value":"https://orientalinsurance.org.in/documents/10182/7605007/List+of+Nodal+Officer+.pdf/992a7f9baef7-5cac- c613-ffc05d578a3e","label":"List of Nodal Officer","level":null,"hours":null,"applies_to":"all","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/Happy_Family_Floater_2021_policy_wordings_04ad8fa002.pdf","quote":"h Floor, Agarwal House Asaf Ali Road, New Delhi-110002. For updated details of grievance officer, kindly refer the link https://orientalinsurance.org.in/documents/10182/7605007/List+of+Nodal+Officer+.pdf/992a7f9baef7-5cac- c613-ffc05d578a3e\n\nOffice Details | Jurisdiction of Office (Union Territory, District)\nAHMEDABAD – Office of the Insurance Ombudsman, 2nd","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 Oriental 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":"Customer Service Department 4th Floor, Agarwal House Asaf Ali Road, New Delhi-110002","label":"Grievance Officer address","level":null,"hours":null,"applies_to":"all","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/Happy_Family_Floater_2021_policy_wordings_04ad8fa002.pdf","quote":"with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at: Customer Service Department 4th Floor, Agarwal House Asaf Ali Road, New Delhi-110002. For updated details of grievance officer, kindly refer the link https://orientalinsurance.org.in/documents/10182/76050","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"url","value":"https://orientalinsurance.org.in/grievance-redressal","label":"Grievance Officer details","level":null,"hours":null,"applies_to":"all","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/Gramin_Health_Bima_Policy_Group_Policy_Wordings_04092026_33b6ab9ee1.pdf","quote":"Office Complex, Kidwai Nagar East, New Delhi - 110023. For updated details of grievance officer, Kindly refer the link: https://orientalinsurance.org.in/grievance-redressal\n\ngrievance through the above methods, they may also approach the office of the Insurance Ombudsman for their respective","fetched_at":"2026-10-20"},{"purpose":"nodal","channel":"address","value":"Customer Service Department, Corporate Office, Block - 4, Plate-A, NBCC Office Complex, Kidwai Nagar East, New Delhi - 110023","label":"Grievance Officer address","level":null,"hours":null,"applies_to":"all","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/Gramin_Health_Bima_Policy_Group_Policy_Wordings_04092026_33b6ab9ee1.pdf","quote":"son is not satisfied with the resolution provided through the above methods, they may contact the Grievance Officer at:\nCustomer Service Department, Corporate Office, Block - 4, Plate-A, NBCC Office Complex, Kidwai Nagar East, New Delhi - 110023. For updated details of grievance officer, Kindly refer the link: https://orientalinsurance.org.in/grievance-redressal","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/oriental-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."}