{"insurer":{"slug":"universal-sompo-general-insurance","name":"Universal Sompo General 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 Universal Sompo 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":"customer-care","channel":"email","value":"contactus@universalsompo.com","label":"Customer Care Email","level":null,"hours":null,"applies_to":"all","source_url":"https://www.universalsompo.com/resourse-grievance-redressal/","quote":"ms\nClaim Status\nCrop Insurance Claim Details\nTPA’s Servicing Group Health Insurance\nDownload Pulz App\nConnect with Us\ncontactus@universalsompo.com\ncontactclaims@universalsompo.com\nHealth Insurance :\nComplete Healthcare Insurance\nA Plus Health Insurance\nSaral Suraksh","fetched_at":"2026-10-20"},{"purpose":"customer-care","channel":"phone","value":"1800-200-4030","label":"Customer Care","level":null,"hours":"24/7","applies_to":"all","source_url":"https://www.universalsompo.com/resourse-grievance-redressal/","quote":"s or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.\nCustomer Care\n1800-200-4030\nCrop Helpline\n14447\n,\n1800-200-5142\nSenior Citizen\n1800-267-4030\nAbout Us\nContact Us\nGrievance Redressal\nLogin\nI am a C","fetched_at":"2026-10-20"},{"purpose":"customer-care","channel":"phone","value":"14447","label":"Crop Helpline","level":null,"hours":null,"applies_to":"crop","source_url":"https://www.universalsompo.com/resourse-grievance-redressal/","quote":"Public receiving such phone calls are requested to lodge a police complaint.\nCustomer Care\n1800-200-4030\nCrop Helpline\n14447\n,\n1800-200-5142\nSenior Citizen\n1800-267-4030\nAbout Us\nContact Us\nGrievance Redressal\nLogin\nI am a Customer\nI am an Agen","fetched_at":"2026-10-20"},{"purpose":"customer-care","channel":"phone","value":"1800-200-5142","label":"Crop Helpline","level":null,"hours":null,"applies_to":"crop","source_url":"https://www.universalsompo.com/resourse-grievance-redressal/","quote":"receiving such phone calls are requested to lodge a police complaint.\nCustomer Care\n1800-200-4030\nCrop Helpline\n14447\n,\n1800-200-5142\nSenior Citizen\n1800-267-4030\nAbout Us\nContact Us\nGrievance Redressal\nLogin\nI am a Customer\nI am an Agent\nMy Transaction","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"phone","value":"1800-200-4030","label":"Grievance Redressal Contact","level":1,"hours":"24/7 Assistance Services","applies_to":"all","source_url":"https://www.universalsompo.com/resourse-grievance-redressal/","quote":"s or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.\nCustomer Care\n1800-200-4030\nCrop Helpline\n14447\n,\n1800-200-5142\nSenior Citizen\n1800-267-4030\nAbout Us\nContact Us\nGrievance Redressal\nLogin\nI am a C","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"phone","value":"1800-22-4030","label":"Grievance Redressal Contact","level":1,"hours":"24/7 Assistance Services","applies_to":"all","source_url":"https://www.universalsompo.com/resourse-grievance-redressal/","quote":"ne - Belapur Rd,\nNavi Mumbai, Maharashtra 400708\nEmail: gro@universalsompo.com\nContact Us for Grievance\n1800-200-4030 / 1800-22-4030\n(24/7 Assistance Services)\nVisit Branch\nGrievance Redressal Officer (GRO)\nWalk-into any of our nearest branches and req","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"address","value":"Grievance cell, Universal Sompo General Insurance Co.Ltd, Unit No. 601 & 602, 6th Floor, Reliable Tech Park, Thane - Belapur Rd, Airoli, Navi Mumbai, Maharashtra 400708","label":"Grievance Cell Postal Address","level":null,"hours":null,"applies_to":"all","source_url":"https://www.universalsompo.com/assets/file/withdrawn-products/pos-critical-Illness-insurance-policy/policy-wording.pdf","quote":"ww.universalsompo.com\nToll free: 1800-22-4030 Senior Citizen1800-267-4030\nE-mail: contactus@universalsompo.com Courier: Grievance cell, Universal Sompo General Insurance Co.Ltd, Unit No. 601 & 602, 6th Floor, Reliable Tech Park, Thane - Belapur Rd, Airoli, Navi Mumbai, Maharashtra 400708\nlnsured person may also approach the grievance cell at any of the company's branches with the details of grievance lf l","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"email","value":"contactus@universalsompo.com","label":"Grievance Email","level":null,"hours":null,"applies_to":"all","source_url":"https://www.universalsompo.com/assets/file/withdrawn-products/pos-individual-accident-policy/policy-wordings.pdf","quote":"case You are aggrieved in any way, You may register a grievance or Complaint by visiting Our website or write to us on contactus@universalsompo.com. You may also contact the Branch from where You have bought the Policy or the Complaints Coordinator who can be reached","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"phone","value":"1-800-224030","label":"Toll Free Number for Grievance (MTNL/BSNL Users)","level":null,"hours":null,"applies_to":"all","source_url":"https://www.universalsompo.com/assets/file/withdrawn-products/pos-individual-accident-policy/policy-wordings.pdf","quote":"the Complaints Coordinator who can be reached at Our Registered Office. You may also contact on Our Toll Free Numbers: 1-800-224030 (For MTNL/BSNL Users) or 1- 800– 2004030 or on chargeable numbers at +91-22-41659800/+91-22-41659900 You can also visit","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"phone","value":"1-800-2004030","label":"Toll Free Number for Grievance","level":null,"hours":null,"applies_to":"all","source_url":"https://www.universalsompo.com/assets/file/withdrawn-products/pos-individual-accident-policy/policy-wordings.pdf","quote":null,"fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"phone","value":"+91-22-41659800","label":"Chargeable Number for Grievance","level":null,"hours":null,"applies_to":"all","source_url":"https://www.universalsompo.com/assets/file/withdrawn-products/pos-individual-accident-policy/policy-wordings.pdf","quote":"lso contact on Our Toll Free Numbers: 1-800-224030 (For MTNL/BSNL Users) or 1- 800– 2004030 or on chargeable numbers at +91-22-41659800/+91-22-41659900 You can also visit Our Company website and click under links Grievance Notification If the issue still","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"phone","value":"+91-22-41659900","label":"Chargeable Number for Grievance","level":null,"hours":null,"applies_to":"all","source_url":"https://www.universalsompo.com/assets/file/withdrawn-products/pos-individual-accident-policy/policy-wordings.pdf","quote":"ur Toll Free Numbers: 1-800-224030 (For MTNL/BSNL Users) or 1- 800– 2004030 or on chargeable numbers at +91-22-41659800/+91-22-41659900 You can also visit Our Company website and click under links Grievance Notification If the issue still remains unresolv","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 Universal Sompo 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":"email","value":"gro@universalsompo.com","label":"Grievance Redressal Officer Email","level":1,"hours":null,"applies_to":"all","source_url":"https://www.universalsompo.com/resourse-grievance-redressal/","quote":"e Co Ltd.\nUnit No. 601 & 602, 6th Floor,\nReliable Tech Park, Thane - Belapur Rd,\nNavi Mumbai, Maharashtra 400708\nEmail: gro@universalsompo.com\nContact Us for Grievance\n1800-200-4030 / 1800-22-4030\n(24/7 Assistance Services)\nVisit Branch\nGrievance Redressal Offic","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/universal-sompo-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."}