IRDA complaint - Health & Life Insurance Complaints

Insurance Complaints

People generally purchase insurance and pay a fixed premium in exchange for a promise of compensation in exchange of some life tragedy. It is usually brought as it gives peace to the mind of the holders. There are two types of insurance namely life insurance and general insurance. The life insurance offers compensation in case of death or disability whereas general insurance offers compensation in scenarios other than death. The life insurance can be divide into term life, pension plans, money-back policy and unit-linked insurance plans. General insurance can be divided into motor insurance, home insurance, health insurance and fire insurance. However, as appealing as it sounds many lapses have been seen in the Insurance department. More than 18% people complaint about the denial of claims which is followed by unsatisfactory offer/settlement at 15%. Many times the insurance companies try their best to lower the compensation as can be in the cases of accident which the most complained about area in the insurance.Travel insurance complaints accounts for nearly 33% of the total insurance complaints filed at Voxya. So how can a consumer file a complaint against these insurance companies? First and foremost we should try to talk to their customer care number. Most of these companies have a 24*7 helpline number which is specially made for handling consumer complaints. The helpline number of some leading insurance companies in India are :

LIC Customer Care Number - 022 6827 6827
ICICI Prudential Life Insurance Customer Care Number - 1860 266 7766
Reliance Life Insurance Customer Care Number - 022 4882 7000
Bajaj Allianz Customer Care Number - 1800 209 5858
Birla Sun Life Customer Care Number - 1800 270 7000
SBI Life Insurance Customer Care Number - 1800 267 9090
Max Life Insurance Customer Care Number - 1860 120 5577
HDFC Standard Life Customer Care Number - 1800 22 7227
Tata AIA Life Insurance Customer Care Number - 080676 03700

However, if the Insurance company itself isn’t willing to resolve the issue, there are other things which can be done. Firstly, you can send a written complaint to the insurer’s grievance redressal offier by attaching the relevant documents. Their contact details are available on the policy document as well on the web sites of insurer. The insurance company is then required to address the issue within 15 days, if they don’t, you can lodge a complaint with the Irda. Irda customer care number : 155255 or 1800 4254 732 and their email id is complaints@irda.gov.in or you can fill the form directly which is available on their website. Finally, if you are still unhappy about the action or lack of action taken you can approach the insurance ombudsman or file a consumer complaint. Voxya has a team of legal experts which help in preparing the case documents for consumer court. We at Voxya generally receive about 100 insurance consumer complaints every month including travel insurance complaints, health insurance complaints etc.

Most Common Issue Reported for Insurance Complaints

Policy issues

Policy maturity issues

False commitments

Fake insurance policy

LIC paying less amount on matured policy not as promised on taking Policy (Life Insurace Corporation Of India) ^Open

Hi, I took the policy on female child keeping her feature in mind for Higher Education and marriage. At the time of taking policy, the agent assured and guaranteed a Sum of Rs.*,**,***/- while taking Policy in the year ****. But receiv...

Sep 14, 2020 by Ragumoorthy K (F/O R Rajalakshmi)

Cheating Car Insurance IDV Value (Bharti Axa General Insurance Company Limited) ^Open

Have received a quotation towards renewal of our car insurance from M/s Bharti AXA General Insurance Company Ltd., as per the quotation it is clearly mentioned IDV Value of Rs.******/- for which a premium amount of Rs.*****.** was paid thru onl...

Aug 18, 2020 by M Srinivas Rao

Mobile insurance not covered (Times Global Assurance) ^Open

I took three years insurance of mobile from my mobile insurance dot com Mr. Karan assured me over mail that refund of repairs will be credited in the account. But the same is not credited todate....

Aug 14, 2020 by Bharat jayaswal

INSURANCE CLAIM (ORINTEAL INSURANCE COMPANY) ^Open

I am Mrs. Priyanka Agarwal Partner in M/S. Jajodia Roadlines, Hyderabad. We have purchased new Ashok Leland vehicle ** Feet MXL in the month of Nov **** from Ganganagar, Rajasthan. The same has been insured at The Oriental Insurance Ltd. The ...

Aug 14, 2020 by priyanka agarwal

About mediclaim renewal (The New India Assurance Co Ltd) ^Open

i am a policy holder of the new india assurance co ltd from more than ** years. but due to the lock down and my shifting from ahmedabd to vadodara , i was not able to pay my renewal also courier and other sources were not working. now i request...

Aug 04, 2020 by gunvantlal bapalal rasania

Capping on health insurance claim (United India Insurance Company Limited) ^Open

Need help in raising my complain to complaints@irda.gov.in. I have a valid insurance policy with sum assured of * lacs and paid regular premiums for * years. When my Dad was hospitalized, company capped the bill amount to **,***/- and breaki...

Jul 17, 2020 by Salil

ADITYA BIRLA FINANCE MORITORIUM RAISED WITHOUT CONCERN (ADITYA BIRLA CAPITAL PVT LTD) ^Open

ADITYA BIRLA FINANCE MORATORIUM RAISED WITHOUT CONCERN, problem not resolved and the penalty is charged though their is sufficient amount in my account...

Jul 14, 2020 by pamarthi jagadeeshwari

Religare cancel my parents health policy from their end (Religare Health Insurance) ^Open

Dear Sir I took a health policy for my parents in September ****. In May **** my father was admitted to Desun hospital for chest pain. Then again I paid my second premium in September ****. In April **** I got an email from Religare that ...

Jul 10, 2020 by Ratanlal Sa

Wrong Insurance Provided (HYUNDAI) ^Open

We had purchased New Hyundai Creta from Nagpur dealership Eros Motors Pvt Ltd on **th June ****. We have been a customer of Hyundai from the past ** years, this Creta being our *th Hyundai car. This time we have been completely cheated out by t...

Jul 06, 2020 by Shreyansh Lunawat

Regarding demat account (ADITYA BIRLA CAPITAL PVT LTD) ^Open

I have tried to sell my HDFC Equity SIP but not succeeded due to POA not updated. I have sent duly signed copy of POA but it was rejected due to sign mismatch, i have sent again with updated signature but again rejected. I have totally fed up f...

Jul 03, 2020 by SUSHIL KUMAR SINGH

Claim Rejected Fraud Company (Dymaje) ^Open

* I purchased the insurance via https://www.dymaje.com/ on ** December, ****, Order ID ***** * My phone was theft on **/**/**** and an FIR no ****/**** is registered at Kumbalagudu Police Station, Ramanagara District, Karnataka the same day. ...

Jun 28, 2020 by Megha

EMI moretorium extension not given till 31 August Open (ADITYA BIRLA CAPITAL PVT LTD) ^Open

I am having personal loan account no ABFLHYDPL********** with Aditya Birla. Before April ****, I have paid all my EMI but due to current situation of India I have opted for EMI deferment as per RBI guidelines. Now as per new RBI guidance EMI de...

Jun 27, 2020 by Raghavendra S Daripally

Health insurance claim not accepted (Cigna Ttk Health Insurance Company Ltd) ^Open

I had purchased a health insurance policy ProHealth Protect to cover myself & my family. But when my wife got admitted for treatment and I submitted a claim for cashless benefits, they refused to accept the claim saying the patient had a histor...

Jun 17, 2020 by A P Singh

Delay in claim settlement and no response on follow ups (Ericson Insurance Tpa Private Limited) ^Open

Claim reference - *****. I had submitted reimbursement claim to Edelweiss TPA on **th Feb ****. Post which there were too many too and fro for documentations. I submitted all the documents as requested by the Company, I even submitted a Declara...

Jun 17, 2020 by Mihir Shah

Maturity amount not paid (Sahara india Bargarh) ^Open

I have invested in Sahara q shop scheme around ₹ ****** for six years in different parts. Now after six years the company denied payment instead advise to reinvest in other schemes....

Jun 16, 2020 by Dharmendra Pradhan

Cheated in providing services (IndiaFilings ) ^Open

I have approached Indiafilings for registering our organization in USA in Delaware. They have promised to do the LLC incorporation and provide EIN registration along with * year registered agent services. They have sent me incorporation certifi...

Jun 12, 2020 by Praveen vaitla

Claim not settled (ICICI Lombard ) ^Open

claims Grievance Details : I have bought a motor insurance policy for my two wheeler,with registration number as TN**F****,the insurance policy number is ****/*********/**/B** and my vehicle got stolen,I have raised a claim and submitted all t...

Jun 09, 2020 by Thiyagarajan S

Claim amount not received (United India Insurance) ^Open

I am writing this to complain about United India insurance policy no **********P*********, for an amount of *,**,*** Rs. I have applied for the post hospitalization expense claim in the month of February **** I have submitted all the required d...

May 21, 2020 by SHISHIR RAI

Unauthorised switch of mutual fund (Aditya Birla Sun Life Insurance ) ^Open

I had INR **** in ABSL Liquid fund on Feb **, which I put a switch request to ABSL Equity fund for all the units(**.*** units) and got an SMS confirmation regarding that (message attached) and after that, I put INR **,*** in ABSL liquid fund a...

Mar 13, 2020 by Nishant Singh

Insurance copy didnot receive (Policy Bazaar) ^Open

Hi Vikash kumar this side.I bought a car insurance on ** feb as my policy was expering on ** feb from policy bazaar.I paid them amount ***** and they said you will receive copy with ** minutes.Then they said sir its techinical issue you will ge...

Feb 16, 2020 by Vikash kumar

LIC Policy matured not repayed (LIC HFL) ^Closed

I have taken a ** year policy in LIC and is matured now after ** years. The policy is attached to the loan taken in LICHFL. The maturity amount is not credited to the Loan even after several request to close the loan with the policy matured am...

Aug 26, 2020 by Manivannan R

Policy Premium Paid But Is Not Updated (CIN Policybazaar Insurance Brokers Private Limited formerly known as Policybazaar Insurance Web Aggregator Private Limited ) ^Closed

I had purchased Insurance of Bajaj Allianz Life (Policy number-**********) & Hdfc Life (Policy number-********) through the Insurance aggregator Policy Bazaar and as usual my amount was deducted from my account every month but in the month of A...

Aug 25, 2020 by Dhiraj Chhetri

Deduction of mediclaim approval amount (THE NEW INDIA ASSURANCE CO. LTD.) ^Closed

Instead of informing the TPA more than ** hrs prior to hospitalization, they deducted **% of total estimated amount by the hospital. Reason is mentioned by the TPA that I've not inform them **hrs before. Before admitting my mother also I asked ...

Aug 23, 2020 by Sanjay Nath

Surrender Policy (Bharti AXA Life Insurance) ^Closed

श्री मान जी मैंने फरवरी महीने मे Bharti Axa life Elite Advantage Policy No.: ***-******* saving purpose के लिये ली थी। जिसका मैनें साल...

Jul 15, 2020 by RAVI PRATAP SINGH

Aditya birla finance not giving Moratorium relief on EMI and presented ECS on bank (Aditya Birla Finance Limited) ^Closed

Due to covid **, I have applied for a Moratorium for the month of June, July and August ****,As per the RBI latest notification on **nd May ****. Almost over ** emails and tons on calls, Aditya Birla Finance Limited is not giving me any morator...

Jul 15, 2020 by Abhishek Yadav

Fraud agent took money but didn t provide policy (Lic Of India) ^Closed

Lic agent Ajeet Kumar Tripathi took Rs. **,*** from me for one policy but till date he didn't deliver policy. Now I doubt whether he has filed policy or not. ...

Jul 13, 2020 by Priyanka Madan

Fraudsters call me to know my details (ADITHYA BIRLA CAPITAL PVT LTD) ^Closed

** days before I raise my request for personal loan in Adithya birla finance site...and today I got a call from +************ and they said they calling from Adithya birla group regarding my loan request..and they want to send my personal detai...

Jun 27, 2020 by Anvesh kumar reddy

Sold insurance on false promises (Reliance Nippon Life Insurance Company Limited) ^Closed

Life insurance policy was sold by the company based on false promises. First the policy seller lured my parents by telling that come to a place(office) to claim a prize and to take it. Then after reaching there, they started persuading for po...

Jun 15, 2020 by Bibekanand Thakur

Amount Refund (Max Life Insurance) ^Closed

Hi, I took an Insurance premium during **** in Max Life Insurance.I paid one premium at the start and the next year I was not able to due to medical emergency of my grandparents. I have approached the Max Life office in Salem,TamilNadu fe...

Jun 07, 2020 by Santhanuraj

Regarding serious discrepancies in Health Insurance policy agreement (Policy Bazzar) ^Closed

I have purchased a health policy# ****/********/**/*** under the name of Mr. Ramesh Chandra Rawat(self) and my wife Mrs. Anita Rawat for * years dated **nd March **** from Policy Bazaar (people advisor was Gaurav Mehta PW*****). At that time w...

Apr 05, 2020 by Ramesh Chandra Rawat

Vehicle Insurance Policy details not reflecting in RTO site (ICICI Lombard Insurance company) ^Closed

I am unable to apply NOC for my vehicle due to renew policy number is not reflecting in RTO Vahan portal. I checked with insurance company they asked is pending with RTO team but RTO authority said to check with insurance company. I have renewe...

Mar 11, 2020 by SOUMYA RANJAN

CLAIM REJECTED (STAR HEALTH CO ) ^Closed

To, consumer forum court jamshedpur jahrkhand i like to lodge a case against star health insurance co because they reject my claim with wrong reason also bimalokpal given worst decision in favor of star health insurance co. ...

Mar 09, 2020 by NIKHAT BANO

Health Insurance Claim Not approved (Mediassist) ^Closed

I have submitted Health Insurance claim from Mediassist from **st August,**** on behalf of my parents who are retired HAL Personnel. I have been following up with them for the same but they are not giving me any response and they are delaying t...

Jan 30, 2020 by Swayamsiddha

Mediclaim rejected by company (Oriental Insurance Company Ltd) ^Closed

My wife has undergone a surgery of umlical hernia at Shri Sankalp Hospital, Raipur. I had paid * years of medical insurance premium and now they have repudiated my claim. please help...

Jan 27, 2020 by Amit Kumar Dewangan

Policy not provided nor refund Initiated (Bharti AXA Life Insurance) ^Closed

Type - Life Insurance. Name of the company - Bharti AXA Life Insurance. Date of commencement - **th Sep Proposal. No. - ********. Premium amount - **,*** Grievance no. provided by Bharti Axa- QHMP**********. Problem- I wanted to take a life i...

Jan 22, 2020 by Ankit Saraf

Did not receive the life insurance Bond (Dhfl Pramerica Life Insurance Company ) ^Closed

One month ago an agent from Pramerica Life insurance company came an suggest us for buying an insurance from them. They told us every damm good things about this company and thus i thought that it would be truly work. But after i purchase t...

Jan 09, 2020 by Rahul gayen

Amount not received (Life Insurance Corporation Of India) ^Closed

It has been two months, I have not been insured for the insurance, but the money has not yet come to my account, I go to the office, then I say it will come in * week but I do not know what the problem is and I do not tell....

Jan 09, 2020 by Rakesh Sahu

Mobile liquid damage claim delay (Jeeves Consumer Services Pvt. Ltd. ) ^Closed

Sir, I have purchased Asus *z mobile and Jeeves one year complete mobile protection plan from Flipkart on July **th, ****. I have applied for a liquid damage claim on Oct *th and till today even after more than two months, they are yet to refun...

Dec 10, 2019 by Palnati vikas reddy

SBI Policy Refund (State Bank of India ) ^Closed

Hi, I have three policy brought from SBI agents in the year **** state here *) Policy Number *W********* (**/**/****) *) Policy Number- *R*********(**/**/****) *)Policy Number- *N*********(**/**/****) Due to my personal financial issues I with...

Dec 03, 2019 by Madanu Lucas

Maturity amount not received for me (Adarsh Credit Co Operative Society Limited) ^Closed

My policy is mature but payment not given me by the society...

Dec 01, 2019 by Yeah change bansal