Understanding The Role Of Insurance Ombudsman In India

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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.

Understanding The Role Of Insurance Ombudsman In India


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.

Insurance Samadhan

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. 


Also Read:  Top 5 Benefits of Hiring a Professional for Insurance Claim Assistance



Contact Details 


1st Floor, Kalpana Arcade Building, Bazar Samiti Road, Bahadurpur, Patna- 800006Insurance Ombudsman contact number: 0612-2680952



2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi-110002Insurance Ombudsman contact number: 011-23232481/23213504

Email: bimalokpal.delhi@ecoi.co.in


2nd Floor, Pulinat Building, Opposite Cochin Shipyard, MG Road, Ernakulam-682015Insurance Ombudsman contact number: 0484-2358759/2359338



3rd Floor, Jeevan Seva Annexe, SV Road, Santacruz (W), Mumbai – 400054Insurance Ombudsman contact number: 022-26106552 / 26106960



62, Forest Park, Bhubneshwar-751009Insurance Ombudsman contact number: 0674-2596461/455



6-2-46, 1st floor, “Moin Court,” Lane Opp. Saleem Function Palace, A. C. Guards, Lakdi-Ka-Pool, Hyderabad-500004Insurance Ombudsman contact number: 040-67504123/23312122

Email: bimalokpal.hyderabad@ecoi.co.in


6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow-226001Insurance Ombudsman contact number: 0522-2231330/331



Bhagwan Sahai Palace, 4th Floor, Main Road, Naya Bans, Sector 15, District Gautam Buddh Nagar, UP-201301Insurance Ombudsman contact number: 0120-2514250/252/253

Email: bimalokpal.noida@ecoi.co.in


Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, Chennai-600018Insurance Ombudsman contact number: 044-24333668/24335284

Email: bimalokpal.chennai@ecoi.co.in


Hindustan Building, Annexe, 4th Floor, 4, CR Avenue, Kolkata-700072Insurance Ombudsman contact number: 033-22124339/340

Email: bimalokpal.kolkata@ecoi.co.in


Janak Vihar Complex, 2nd Floor, 6, Malviya Nagar, Opposite Air Office, Near New Market, Bhopal-462003Insurance Ombudsman contact number: 0755-2769200/201/202

Email: bimalokpal.bhopal@ecoi.co.in


Jeevan Darshan Building, 3rdFloor, CTS No. 195 To 198, NC Kelkar Road, Narayan Peth, Pune-411030Insurance Ombudsman contact number: 020-41312555

Email: bimalokpal.pune@ecoi.co.in


Jeevan Nidhi – II Bldg., Ground Floor, Bhawani Singh Marg, Jaipur-302005Insurance Ombudsman contact number: 0141-2740363

Email: Bimalokpal.jaipur@ecoi.co.in


Jeevan Nivesh, 5th Floor, Nr. Panbazar Over Bridge, S.S. Road, Guwahati-781001Insurance Ombudsman contact number: 0361-2632204/2602205

Email: bimalokpal.guwahati@ecoi.co.in


Jeevan Prakash Building, 6th Floor, Tilak Marg, Relief Road, Ahmedabad-380001Insurance Ombudsman contact number: 07927546139/150

Email: bimalokpal.ahmedabad@ecoi.co.in


Jeevan Soudha Building, PID No. 57-27-N-19, Ground Floor, 19/19, 24th Main Road, JP Nagar, 1stPhase, Bengaluru-560078Insurance Ombudsman contact number: 080-26652048/49

Email: bimalokpal.bengaluru@ecoi.co.in


SCO No. 101, 102 & 103, 2nd Floor, Batra Building, Sector 17 – D, Chandigarh-160017Insurance 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. 

Insurance Samadhan


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.

Insurance Samadhan

Click here to register your complaint with Insurance Samadhan

You can also

Visit our website: insurancesamadhan.com

Call us on +91 9513631312

WhatsApp:  9910998252

Mail us at corporate@insurancesamadhan.com

Shikhar Vashisht

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