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

Insurance not received (National Insurance Company) ^Open

I paid pm pasalabheema yojana on paddy crop **** august **. It got damaged due to titili cyclone but inc not paid my crop insurance amount. My crop fully damaged. But the company did not pay still now....

Sep 02, 2019 by BALLEDA RAMARAO

Max life term plan has not modifying the plan as promised (Max Life Insurance Co Ltd) ^Open

As promised by coverfox on behalf of max life insurance the current policy will get modified to the future policy having maturity includes the paid tenure period or else will get a refund for the paid tenure. Most importantly they are not even ...

Sep 02, 2019 by Manish Jain

Breach of health insurance contract (Religare Health Insurance) ^Open

I have purchased a health insurance policy from Religare health insurance my sum insurance was * lakh. Before taking the policy I have disclosed all my health condition. In the handbook, if Religare it is clearly mentioned any type of decease w...

Aug 28, 2019 by Moloy Acharjee

My bajaj allianz policy number not matched (Bajaj Allianz General Insurance) ^Open

My policy number not my name match. Plz action broker sankar debnath. ...

Aug 25, 2019 by Suraj deb

Mobile insurance claim (Dymaje) ^Open

When I tried to claim the insurance they say I have to register in ** hrs and neither you are giving me an option for *nd claim as said in the policy. I was inquiring about policies but the contact number was not working due to technical issue...

Aug 24, 2019 by Palash Raut

Insurance claim not satisfactory (Lic Of India) ^Open

I have purchased Health insurance policy from LIC of India . But its not supporting me at the time of claim . the company saying below statement. " Plan is *** , JEEVAN AROGYA. Jeevan Arogya policy is a fixed benefit Policy and selected benefi...

Aug 24, 2019 by Prasannakumar chowdary

Extra amount paid in the name of insurance for mobile and didn't get refund (Bajaj Finserv) ^Open

I bought a mobile from Vivek Adyar Chennai. Bajaj finance offered EMI options and they got a payment of **** and said it will be refundable. I asked the reason they said it is insurance. But still, I didn't get the refund. When I approached the...

Aug 12, 2019 by Keerthika D

Wrong settlement of mediclaim policy (Bajaj Allianz General Insurance Company Ltd.) ^Open

Sub. Wrong settlement of the cashless claim of my wife Kumkum Bhagoliwal Ref. *- Order No: HAT/**/******* *- Claim No: OC-**-****-****-******** Kindly refer to your mail dated **th April **** on the above-mentioned subject statin...

Aug 06, 2019 by Dr. Ajay Bhagoliwal

Fraudulent sale for insurance (Hdfc) ^Open

I have an exidelife policy which has lapsed. Based on the policy I had a call from Piyush Mehra from Delhi stating that he is from exidelife and advised me to pay some amount towards the policy to get additional money. I did. I have details of ...

Jul 08, 2019 by LIONELL ELLIS

Accident claim not given (Bajaj Allianz General Insurance Company Limited) ^Open

My vehicle was parked in parking at Murthal. Early morning I saw that there were scratches on left and front glass was broken. When I contacted my insurer Bajaj Allianz. They refused to give me the whole claim....

Jul 06, 2019 by Pankaj kumar

Regarding health insurance (Star Health And Allied Insurance Co.) ^Open

I herewith submitting all reports related to my treatment in Apex Hospital through star health card. I took treatment for * days i.* from **/**/**** to **/**/****. Star health has cheated me by rejected my claim reimbursement claim No. CLI/****...

Jul 01, 2019 by MOHAMMED JAHANGIR

Claim of accident car by insurance company (Future General India Insurance Company Limited) ^Open

Future general india company ka md meri accidents car ka claim pass nhi kar rah hai. Usne claim ke liye mana kar diya hai. Bar bar dauda raha hai. Please help kariye. Mai is cheap company ke jhanse me aa ke fans gaya hoon. Please help me mera c...

Jun 29, 2019 by Gaurav Prakash Singh

Wrong vehicle insurance issued (Reliance General Insurance) ^Open

Complainant complaints under policy no. ****************** purchased online on *th June ****, that the insurer has given a discount of Rs. ****.** by mentioning "Vehicles specially designed/modified for the blind, handicapped and mentally chall...

Jun 25, 2019 by Vijay Chaudhary

Malpractice by LIC of India (L I C) ^Open

RDA Token Number: **-**-****** *. Complain to IrDA against LIC to issue single premium policy was registered on **/**/****. *. Date of dispatch of the bond by LIC is **/**/**** as per LIC letter no: HDO/CRM/cpgram/****/** date.**.**.**** and ...

Jun 22, 2019 by Ashok kumar prajapat

Unacceptable increase in ROI for home loan and home insurance account (Hdfc Limited) ^Open

Unacceptable increase in ROI for a home loan and home insurance account nos. *********/*********. Grievance on Home loan a/c ********* - *. Why an increase is made after every RBI increase in base points but decreases never happens? *. I t...

Jun 04, 2019 by Ankur Agarwal

Car insurance rejected (Royal Sundaram General Insurance Co. Limited) ^Open

My Honda Jazz car engine got damaged due to oil sump breakage and engine oil leakage from it. This was due to an external impact on the oil sump caused by some stones on bad roads near Gachi Bowli on *th, March **** around * pm. The car was to...

May 29, 2019 by Battu Sridevi

Car accident claim is not approved completely (Reliance General Insurance) ^Open

I have a car policy with Reliance General Insurance with policy no - ******************. My car met with an accident on **th May ****. While taking a right turn on a four-lane road, another car while crossing the road banged into the front doo...

May 28, 2019 by Rushiraj Waghela

Insurance claim not received (HDFC ERGO General Health Insurance Co. Ltd) ^Open

(Formerly HDFC General Insurance Limited). Registered & Corporate Office: *st Floor, HDFC House, ***-*** Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – *** ***. Customer Service Address: D-***, *rd Floor, Eastern Business Distri...

May 27, 2019 by Ajay Kumar

LIC agent is not collecting premium since last 5 quarters (LIC) ^Open

LIC agent is not collecting premium since the last * quarters. Now for the revival of my policy I've to pay a penalty of Rs. ***.**. I've been calling the agent frequently to collect the premium but the agent doesn't show up. Now I've to pay a ...

May 25, 2019 by Heena Khandelwal

Declined my claim (Religare Health Insurance) ^Open

I am writing this email to express my utter disappointment on the cashless disapproval of my health insurance claim for my admission to Artemis Hospital in Gurugram from **/**/**** to **/**/**** for treatment and workup of my ongoing severe hea...

May 24, 2019 by Vikas Samota