Life can be unpredictable, and when unfortunate situations arise, it’s essential to have a way to seek justice within a legal framework. This holds even in the insurance world, where policyholders may encounter problems such as insurance mis-selling, claim rejection, or claim short-settled. To protect the rights and interests of insurance customers in India, we have the insurance ombudsman that ensures insurance companies treat customers fairly. Therefore, understanding the role of the Bimalokpal is vital for policyholders to navigate insurance-related grievances and seek appropriate redressal.
What is Insurance Ombudsman?
The insurance ombudsman serves as a dedicated authority for resolving insurance-related problems of insurance customers. Many situations may lead to insurance claim rejection, claim denial, or claim short-settled, which can put a customer at risk of losing money. However, Bimalokpal is your saviour. All the offices of the insurance ombudsman are directly under the administrative control of the CIO. Currently, 17 centers in the country help aggrieved customers. Establishing the insurance ombudsman aims to expedite the resolution of customer grievances and minimize the challenges they face in addressing such concerns.
Need for Insurance Ombudsman
In India, many cases of insurance mis-selling, claim rejection, and others leave customers frustrated. It feels like they are going nowhere. Bimalokpal is for those people. It’s there to ensure that customers are treated well and that any problems are taken care of in a simple and accessible way. This dedicated authority bridges customers and insurance companies, ensuring your voice is heard and any issues you face are promptly addressed.
When to Approach Insurance Ombudsman
Let us take a look at some of the insurance complaints that the insurance ombudsman in India addresses:
- Claim Delays
- Claims rejected by the insurance company
- Disputes over insurance premiums
- Confusion over insurance policy terms and conditions.
- Claim short-settlement
List of Ombudsman Centers in India
Below is the list of all the ombudsman centers in India.
State | Address | Contact Details |
Patna | 1st Floor, Kalpana Arcade Building, Bazar Samiti Road, Bahadurpur, Patna- 800006 | Insurance Ombudsman contact number: 0612-2680952 Email:bimalokpal.patna@ecoi.co.in |
Delhi | 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi-110002 | Insurance Ombudsman contact number: 011-23232481/23213504 Email: bimalokpal.delhi@ecoi.co.in |
Ernakulam | 2nd Floor, Pulinat Building, Opposite Cochin Shipyard, MG Road, Ernakulam-682015 | Insurance Ombudsman contact number: 0484-2358759/2359338 Email:bimalokpal.ernakulam@ecoi.co.in |
Mumbai | 3rd Floor, Jeevan Seva Annexe, SV Road, Santacruz (W), Mumbai – 400054 | Insurance Ombudsman contact number: 022-26106552 / 26106960 Email:bimalokpal.mumbai@ecoi.co.in |
Bhubaneshwar | 62, Forest Park, Bhubneshwar-751009 | Insurance Ombudsman contact number: 0674-2596461/455 Email:bimalokpal.bhubaneswar@ecoi.co.in |
Hyderabad | 6-2-46, 1st floor, “Moin Court,” Lane Opp. Saleem Function Palace, A. C. Guards, Lakdi-Ka-Pool, Hyderabad-500004 | Insurance Ombudsman contact number: 040-67504123/23312122 Email: bimalokpal.hyderabad@ecoi.co.in |
Lucknow | 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow-226001 | Insurance Ombudsman contact number: 0522-2231330/331 Email:bimalokpal.lucknow@ecoi.co.in |
Noida | Bhagwan Sahai Palace, 4th Floor, Main Road, Naya Bans, Sector 15, District Gautam Buddh Nagar, UP-201301 | Insurance Ombudsman contact number: 0120-2514250/252/253 Email: bimalokpal.noida@ecoi.co.in |
Chennai | Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, Chennai-600018 | Insurance Ombudsman contact number: 044-24333668/24335284 Email: bimalokpal.chennai@ecoi.co.in |
Kolkata | Hindustan Building, Annexe, 4th Floor, 4, CR Avenue, Kolkata-700072 | Insurance Ombudsman contact number: 033-22124339/340 Email: bimalokpal.kolkata@ecoi.co.in |
Bhopal | Janak Vihar Complex, 2nd Floor, 6, Malviya Nagar, Opposite Air Office, Near New Market, Bhopal-462003 | Insurance Ombudsman contact number: 0755-2769200/201/202 Email: bimalokpal.bhopal@ecoi.co.in |
Pune | Jeevan Darshan Building, 3rdFloor, CTS No. 195 To 198, NC Kelkar Road, Narayan Peth, Pune-411030 | Insurance Ombudsman contact number: 020-41312555 Email: bimalokpal.pune@ecoi.co.in |
Jaipur | Jeevan Nidhi – II Bldg., Ground Floor, Bhawani Singh Marg, Jaipur-302005 | Insurance Ombudsman contact number: 0141-2740363 Email: Bimalokpal.jaipur@ecoi.co.in |
Guwahati | Jeevan Nivesh, 5th Floor, Nr. Panbazar Over Bridge, S.S. Road, Guwahati-781001 | Insurance Ombudsman contact number: 0361-2632204/2602205 Email: bimalokpal.guwahati@ecoi.co.in |
Ahmedabad | Jeevan Prakash Building, 6th Floor, Tilak Marg, Relief Road, Ahmedabad-380001 | Insurance Ombudsman contact number: 07927546139/150 Email: bimalokpal.ahmedabad@ecoi.co.in |
Bengaluru | Jeevan Soudha Building, PID No. 57-27-N-19, Ground Floor, 19/19, 24th Main Road, JP Nagar, 1stPhase, Bengaluru-560078 | Insurance Ombudsman contact number: 080-26652048/49 Email: bimalokpal.bengaluru@ecoi.co.in |
Chandigarh | SCO No. 101, 102 & 103, 2nd Floor, Batra Building, Sector 17 – D, Chandigarh-160017 | Insurance Ombudsman contact number: 0172-2706196/468 Email: bimalokpal.chandigarh@ecoi.co.in |
The Role of the Insurance Ombudsman
Bimalokpal plays a vital role for the policyholders since it works towards safeguarding their interests. The insurance ombudsman serves as a reliable avenue for lodging a Bimalokpal complaint, providing a platform to raise your concerns regarding issues. Moreover, the Insurance Ombudsman offers a streamlined and accessible insurance complaint process that is specifically designed to cater to the needs of policyholders. When it comes to the settlement process of Bimalokpal, it is quite efficient, as any disagreement must be resolved within a month.
FAQs
Who can approach to file a Bimlalokpal complaint?
Anyone who has a grievance with the insurance company or an agent can file a complaint to the insurance ombudsman.
What documents are required to file a complaint with the insurance ombudsman?
Here is the list of the documents required to file an insurance complaint:
- KYC documents
- Copy of the insurance policy
- Claim rejection letter from the insurance company/ broker.
- Any other important document
Can Bimalokpal award ex-gratia payment?
Bimalokpal cannot award ex-gratia payments.
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