Visit the Grievance Redressal Officer of the Insurance company and submit all relevant documents along with a written complaint. Take acknowledgement with the date mentioned. The Insurance Company is required to revert to you in 15 Days.
You can call on IRDA helpline or write to IRDA. You can also make use of Integrated Grievance Management System (IGMS)
Insurance Ombudsman helps you get resolution of your grievance out of court in a cost effective manner.
If your Insurance company has not responded to your grievance or you are unhappy with the response, then you can file the grievance with Insurance Ombudsman. Please note that the claim amount should be less than 30 Lacs.
If you are still unhappy with the response or there is no response from your Insurance company or IRDA grievance cell or Ombudsman, you can seek resolution by filing the case with the consumer court.
Consumer courts are three tier structure
a) if the value of the claim is less than 20 lakhs, case can be filed in district forum.
b) If the value of the claim is more than 20 lakhs but less than one crore, case can be filed in State Consumer Dispute Redressal Forum (Delhi).
c) if the value of the claim is more than one crore, case should be filed in National Commission.