IGMS Complaint Filing: The Step-by-Step 2026 Guide
The insurer is notified and must respond within 15 days. IRDAI reviews the response, and inadequate replies can be escalated further, including to the Insurance Ombudsman.
Speed-up tips
File only after the GRO route to avoid bounce-back; attach every document as evidence; write the grievance as a dated timeline; check status weekly with the reference number.
Prepare before you file
Policy number, insurer name, claim number, and a clear chronology. Attach the policy copy, rejection letter, correspondence, medical records, and payment receipts - vague complaints are slower.
When to file
After the insurer's Grievance Officer fails to resolve within 15 days, when the insurer's reply is unsatisfactory, for claim settlement delays beyond mandated timelines, or for unfair rejections and partial settlements.