Guide to the Insurance Ombudsman
This step-by-step guide explains how to utilize the Insurance Ombudsman, an independent and free grievance redressal body for disputes up to ₹50 lakhs. It outlines the strict eligibility criteria, notably the requirement to first exhaust the insurer’s internal grievance process before filing. The text details the mandatory documents needed, how to draft a chronological statement of facts, and the available online and offline submission methods. Finally, it clarifies the 90-day resolution timeline and notes that Ombudsman orders are legally binding on insurers up to ₹30 lakhs.