Kaagazaat

Complaint to Insurance Ombudsman

At a glance

Price: Free, always.
Stamp duty: Punjab and Chandigarh: no stamp duty is payable.
Registration: Punjab and Chandigarh: not registrable.
Witnesses: Punjab and Chandigarh: no witness is needed.

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Also called

insurance ombudsman complaint
bima lokpal complaint
complaint against insurance company
insurance claim rejected complaint
बीमा लोकपाल को शिकायत
बीमा कंपनी के विरुद्ध शिकायत
ਬੀਮਾ ਲੋਕਪਾਲ ਨੂੰ ਸ਼ਿਕਾਇਤ

When you need it

Use this when an insurance company has rejected your complaint about a claim or a policy, given you an answer you cannot accept, or not replied within the time the rules allow, and you want the Insurance Ombudsman to look at it. It works for life, health, motor, travel, property and other policies.

It sets out the policy, what happened, your earlier complaint to the insurer, what you ask the Ombudsman to direct, and the papers you enclose. Complain to the insurer's grievance officer first, in writing, and keep the reply; the Ombudsman will usually not take up a complaint that the insurer has not first had the chance to settle. The Insurance Ombudsman Rules, 2017 set a time limit counted from the insurer's reply, a limit on the value of the claim the Ombudsman can award, and the bar on a dispute that a court or Consumer Commission is already hearing. Check all three with the Ombudsman's office before you file. The Ombudsman may also ask for its own complaint form; if so, fill it in and attach this complaint to it. Not the claim itself, and not a notice to the insurer — for those use the Health Insurance Claim Letter, the Appeal Against Claim Rejection or the Legal Notice to an Insurance Company. Not a complaint against a bank or lender; for that use the RBI Ombudsman complaint.

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You can fill this one in on this site, and read the whole draft on screen before you decide anything about it. It is a carefully drafted template; it is not advice about your own facts.

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See stamp duty, registration and witnesses

What follows is written for Punjab and Chandigarh. It states the position there rather than describing how it varies, so the amounts below are the ones that apply — worth confirming at the sub-registrar’s office, because rates change. If the property is anywhere else in India, none of this is yours.

Stamp duty

Punjab and Chandigarh: no stamp duty is payable. A letter asking an insurer to perform its own contract creates, transfers or ends no right, so it is not a chargeable instrument under the Indian Stamp Act, 1899. Plain paper is enough. Confirm with the Ombudsman's office whether any fee is charged for a complaint.

Registration

Punjab and Chandigarh: not registrable. It touches no immovable property, so section 17 of the Registration Act, 1908 does not reach it. Keep proof of the day it was lodged: the stamped copy, the email delivery receipt or the post receipt.

Notarisation

Punjab and Chandigarh: no notarisation is needed. If the insurer asks for a sworn statement, it will say which of its papers it wants sworn. The complaint is verified by the signed declaration at its foot.

Witnesses

Punjab and Chandigarh: no witness is needed. The signatory signs alone.

Request Stamp Paper

Sample preview — placeholder answers, not your data

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COMPLAINT TO THE INSURANCE OMBUDSMAN

A policyholder's complaint against an insurer that rejected the complaint or did not reply.

Date: 1 April 2026, at Ludhiana

TO:
The Insurance Ombudsman
Office at Chandigarh

COMPLAINANT:
Harjinder Singh Gill
House No. 412, Sector 38-A, Chandigarh 160036
Phone: 98765 43210
Email: harjinder.gill@example.com

AGAINST (the Insurer):
ABC General Insurance Company Limited
Regional Office, SCO 25, Sector 17-E, Chandigarh 160017

SUBJECT: Complaint about policy no. P/141234/01/2026/003318

Sir / Madam,

1. THE POLICY

1.1 The Insurer issued a life insurance policy, number P/141234/01/2026/003318, to Harjinder Singh Gill. The Complainant is the policyholder.

1.2 The amount in dispute is ₹2,50,000 (Rupees Two Lakh Fifty Thousand only).

2. WHAT HAPPENED

2.1 My claim for the hospital bills of my wife was made on 12 June 2026. The insurer rejected it on 20 July 2026, saying the illness was pre-existing. The illness first appeared after the policy began.

3. THE COMPLAINT TO THE INSURER

3.1 On 2 April 2026 the Complainant complained to the Insurer in writing, under reference GRV/2026/04417.

3.2 The Insurer rejected the complaint in writing. The date of the Insurer's reply or rejection is 3 April 2026.

3.3 The Complainant is not satisfied and therefore brings this complaint.

4. WHAT THE COMPLAINANT ASKS FOR

4.1 The Complainant asks the Ombudsman to direct the Insurer to do the following: Pay the hospital claim of the amount stated above, with interest from the date of the claim.

5. DECLARATIONS

5.1 No court, Consumer Commission or arbitrator is hearing this dispute, and none has decided it.

5.2 This complaint is made within the time the Insurance Ombudsman Rules, 2017 allow, counted from the Insurer's reply or rejection, or from the end of the period for it to reply.

5.3 What is written in this complaint is true to the best of my knowledge, and I have not kept back any fact that matters.

5.4 The Ombudsman's complaint form, filled in, is enclosed with this complaint.

6. PAPERS ENCLOSED

1. Policy schedule. 2. My complaint to the insurer dated 1 August 2026. 3. The insurer's rejection letter. 4. Claim papers and bills. 5. Identity proof.

Yours faithfully,

_________________________
Harjinder Singh Gill
Complainant
House No. 412, Sector 38-A, Chandigarh 160036
Date: 1 April 2026

Questions about this document

Does the Complaint to Insurance Ombudsman need stamp paper or stamp duty in Punjab and Chandigarh?

Punjab and Chandigarh: no stamp duty is payable.

See the full position on stamp duty, registration and witnesses

Does the Complaint to Insurance Ombudsman need registration in Punjab and Chandigarh?

Punjab and Chandigarh: not registrable.

See the full position on stamp duty, registration and witnesses

What does the Complaint to Insurance Ombudsman cost on Kaagazaat?

Free, always.

Does the Complaint to Insurance Ombudsman need witnesses?

Punjab and Chandigarh: no witness is needed.

See the full position on stamp duty, registration and witnesses

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