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

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

Mis presentations in policy document (Exide Life Insurance Company Limited) ^Open

I have purchased a policy bearing policy number ******** from Exide Life insurance company ltd.on **.**.** for my wife Mrs. Kalpana Sarma. I had submitted all necessary documents to their Guwahati branch manager Mr. Parimal Kr. Nath at the t...

Feb 09, 2020 by MUKUL SARMA

CAR INSURANCE (Iffco Tokio General Insurance) ^Open

This is to bring to your kind notice that my car met with an accident on ** Jan **** at Sohna Road Pahadi. A Tata Ace (Chhota Hathi) scratched the complete left side of the car and uprooted the front bumper as well. I took my car to service ce...

Feb 06, 2020 by SATPAL SINGH

Cheating by bajaj finserv Denied Insurance claim (Bajaj finserv ltd) ^Open

I bought an iPhone x through Bajaj Finserv EMI card and I eventually broke It accidentally when I asked for the Insurance claim denied saying me that I was late in the submission of the documents without listening to my reason I felt like cheat...

Feb 01, 2020 by GURDEEP SINGH

Difference of refund amount (DHFL) ^Open

We wish to inform you that, after several follow-ups with DHFL as well as insurance company we have received refund amount of Rs. **,*** (Rupees Forty Eight Thousand Eight Hundred Forty Only.) on **/**/**** against our sum assured amount of Rs....

Jan 27, 2020 by Ranjeet Deepak Bhaduri

Insurance claim denied (Nobroker Technologies Solutions Private Limited) ^Open

I availed the packer/mover service from 'NoBroker' in May **** and along with it, I also bought an insurance cover from NoBroker to cover potential damages. During the packing/moving process, there were some damages and I reached out to NoBr...

Jan 23, 2020 by Anup Kumar Pandita

Loan against Life policy (India first life insurance company limited ) ^Open

Dear Sir/Ma’am, This is to inform you that I have received a call from HDFC Bank in the month of July ** and he/she offered me Loan against the policy. As per the agent, the bank provides a loan against a life insurance policy. They have o...

Jan 20, 2020 by RAVI KUMAR

LIC money back amount not received (Life Insurace Corporation Of India) ^Open

Sarbjit Kaur W/O Baldev Singh got a LIC plan no. ********* (**-**-****) from LIC of India, Gurudev Nagar, Aarti Chowk, Ludhiana. It was a money-back plan. First money back amount *****/- had to be received in Feb ****. But no payment/informatio...

Jan 10, 2020 by SARBJIT KAUR

SBI Life Insurance Policy Money Refund (Sbi Life Insurance Company Ltd) ^Open

Hi, I bought three policies from SBI agents in the year **** - *) Policy Number *W********* (**/**/****) *) Policy Number- *R*********(**/**/****) *)Policy Number- *N*********(**/**/****) Due to my personal financial issues I withdrew from payi...

Jan 02, 2020 by Madanu Lucas

Fraudulent Issue (Icici Prudential Life Insurance Company Limited) ^Open

*. Policy has suspended on **th March **** and discontinuance charge also collected ****./- but again policy Amount *****/- has deducted through ECS on **st March **** with out any prior intimation . * Policy fund performance not good and the v...

Dec 23, 2019 by Sathish Kumar

Refund money not issued (Policy Bazaar) ^Open

I cancelled a policy on policybazaar.com I was promised a refund amount of Rs. ****, whereas only Rs. **** has been credited in my bank account. Attaching mail of promised amount, as well as bank statement showing credit of only partial amo...

Dec 19, 2019 by Jinesh Jain

Theft claim not received (Oriental Insurance Company Ltd) ^Open

I have followed all the rules applicable for claiming insurance for the theft of my car. FIR dated **.*.**. But haven't received the claim amount yet. I lodged a complaint with IRDA. The company sanctioned the claim and promised to pay after co...

Dec 19, 2019 by Dr Ravinder Singh Bajaj

Star Health insurance Fraud and Illegitimate dishonest insurance company (Star Health Insurance) ^Open

Hi My name is Vijay bhaskar palle holding Health insurance policy from "Start Health Insurance Company" Policy# P/******/**/****/****** I have taken the insurance policy in year **** as on Nov **th.In year **** i have applied for Claim for K...

Dec 11, 2019 by Vijaybhaskar palle

Travel insurance claim declined (Apollo Munich Insurance ) ^Open

My retired widowed mother aged ** fell ill, suffered multiple fractures while traveling to Europe in July. She was alone. One family member flew down the next day to look after her. She stayed in hotels that were booked at exorbitant rates last...

Dec 08, 2019 by Nutan gupta

RELIGARE HEALTH INSURANCE COMPANY FRAUD (Religare Health Insurance Company Limited) ^Open

He company has made fraud by not giving my policy document on time. The policy document has to be dispatched within ** working day max, but they have taken * */* months. the document was submitted after i registered complain on consumer forum. ...

Dec 03, 2019 by Josley jafran vas

Rejection of Insurance Claim by Star health allied insurance company (Star Health Allied Insurance Company) ^Open

My name is Vijay Bhaskar.I am writing this email to complaint against Insurance company by name (Star Health and Allied Insurance Company) Policy# P/******/**/****/****** Grievance Complaint number# SR********** To give the details of ...

Dec 02, 2019 by Vijaybhaskar palle

Not returning of year premium of Rs against Policy No Year 2009 (Icici Prudential Life Insurance And Icici Bank) ^Open

Dear Sir, I bough a ULIP Policy of ICICI prudential Life Insurance Ltd on May **** with premium amount of Rs *****.** per year. The ICICI pru Life Company issued the policy bond after * months on Dec'**** of Lapse of free look period. I had ...

Nov 15, 2019 by Dukhisyama Nanda

Claim not processed by Bajaj Allianz surveyer (Bajaj allianz) ^Open

It is to inform you that I have applied for my motor insurance claim which is done by Bajaj Allianz through Arvind Hyundai Agra at the time of purchase of car(Hyundai Verna),my vehicle registration no is UP ** EX ****,everything required regar...

Nov 12, 2019 by Gaurav kumar

INSURANCE CLAIM REJECTED (Mediassist (https://www.medibuddy.in/)) ^Open

Mediassist after collecting all the documents from me has rejected my claim amount of Rs.*****. [#*******] - Re: New Claim Registered - H****************** I have sent many emails and did a lot of followups since June **, ****. My claim is f...

Nov 12, 2019 by N RAJESH NEEMKAR

Twice the amount credited (Bharati axe insurance ) ^Closed

Due network problem. Two times amount was debited in credit card. ...

Nov 15, 2019 by Muthumari

Accidental bike claim amount not received (Hdfc Ergo General Insurance Company Ltd) ^Closed

I have met with an accident on ** Aug **** while coming towards my resident in Meerut Cantt Area between Railway Phatak and RAM Canteen Road. In that accident I got some minor injury in my leg and shoulder and my motor cycle badly damage. A...

Nov 14, 2019 by Amar Parl Singh

Policy not issued (Wise Finserv Private Limited) ^Closed

I have paid INR ******.** on **th Aug **** towards issue the insurance policy of Max Life. The executive from WFS Mr. Vivek told me that policy will be issued within a week's time and a soft copy will be sent on email. But after more than a mon...

Oct 01, 2019 by Ramesh Choudhary

Medical policy claim not Reimburse (Creater Infotech ) ^Closed

Creater infotech & Bharti AXA advisor Mrs Poonam are not settling my claim waiting from *th August **** All original document for claim were submitted to Mrs Poonam through nasik DTDC courier and received by her. But after that don't kno...

Sep 21, 2019 by Rahul Karbhari Sonawane

Fraud by max life insurance (Max Life Insurance) ^Closed

We purchased the policy from max life insurance with policy no. Policy No. : ********* from axis bank Matak Majri Indri Karnal. On purchase time axis bank manager mislead us to pay three premium of nearly ***** each which we pay on time. He tol...

Sep 02, 2019 by Sunil Nagpal

My claim rejected by TPA of insurance company (New India Assurance) ^Closed

I submitted my medical-claim after emergency hospitalization but to my utter dismay, the TPA rejected my claim giving unconvincing reasons. i) When asked for further elaboration on the reasons given for rejection the TPA changed tacks and st...

Jun 19, 2019 by Menath Rajgopal Krishnan

Cyber crime by the company (Bajaj Finserve) ^Closed

My Bajaj card limit used for ***** by Flipkart and my EMI is cutting from my account without informing me. How can it happen? Its a type of cybercrime with me....

May 14, 2019 by Vishal madaan

Package delivered but not fulfilling the promises (Investment Reasearch Advisor) ^Closed

I paid ***** Rs to this company first. They told me to get registered with the company. After that, they offer me a package which is costing *.* lakh. I denied for that package that I said I cannot afford so please leave me. Then Ms Rajesari tr...

May 06, 2019 by G RAJENDRA PRASAD

Insurance fraud done (syncNscan) ^Closed

I brought mobile insurance from syncNscan online and followed all the instructions provided to complete insurance registration. After that, I am trying to contact the company on their customer support no. They said all over customer services ar...

May 02, 2019 by SandeepKumar Verma

Non receipt of household claim (New India Assurance) ^Closed

I have a household policy at New India Assurance Company Chittur, Palakkad branch. My policy number is ********************. Yearly premium is ****. On **.**.**** my Godrej air conditioner outdoor unit compressor failed. I informed the branch b...

Apr 30, 2019 by MURALIDAS A

LIC agent sold policy by providing wrong information (LIC) ^Closed

I had given ₹***** to the agent named Vickey from Vikaspuri Delhi (mob. no. **********) for buying * policies of ***** (approx) New Jeewan Anand *** for a period of ** years. But when I received the policies, they were of ₹***** (policy no....

Apr 28, 2019 by Bhupendra Singh

Unnecessary charges levied by Company (Bajaj Finserve Ltd) ^Closed

I had a Home loan from Bajaj Finserve. I wish to close down it and for the same I have requested the company to provide me with the foreclosure amount letter on **nd Mar ****. Even after multiple follow-ups on emails and customer care I did not...

Apr 27, 2019 by Marcellus Joseph

Harassment and miss selling (Ndm Bajaj) ^Closed

I want to register a complaint against the oriental insurance company ltd and NDM bajaj agency Chandigarh. I bought Bajaj Pulsar NS *** from NDM Bajaj dealer Chandigarh industrial area phase *on **/**/****. They gave me an insurance policy issu...

Apr 25, 2019 by Avinash Kumar

Poor customer support (Bajaj Finserve) ^Closed

I have * ongoing loans from Bajaj Finserv. My monthly EMI goes around ****. I requested bajaj to change my EMI dates so that I can pay the EMI on time without any hassle because my salary date is late where I work. But they charged fine for eve...

Apr 25, 2019 by Paulina Khess

Victim of chits (Shriram Chits ) ^Closed

My mother opened chits of * in Shriram Chits Fund Company stating Rs. ****** of ** months EMI. After a bid of Rs. ****** they deducted Rs. ***** as insurance for each respective chits. We received Rs. ******. We paid ** months EMI of approx Rs...

Apr 23, 2019 by Chintada satish

Cheated by the company (Deal Money) ^Closed

Sub:- Regarding cheated by Deal Money for selling the health product for resolving my dispute life insurance of different ** company now these all products to be returned back and release the amount to undersigned With the reference of above s...

Apr 18, 2019 by PARTHA BEJOY CHATTERJEE

Back my amount (SBI Life Insurance ) ^Closed

sir this is my police details my policy is lapes my total amount ****** rs something iam also paid by premium per months but sbilife insurance told your total amount is lapes anything are not so please help me registered my complement...

Jun 06, 2018 by Sanjay Pal