Consumer complaint for a rejected insurance claim, ready for e-Jagriti

How do I file a consumer complaint on e-Jagriti after my insurance claim was rejected?

The complaint papers in the order e-Jagriti asks for them, with the affidavit ready for the notary and a sheet with your last day to file.

Index
Proforma for filing the consumer complaint
Synopsis with list of dates and events
Memo of parties
Consumer complaint with affidavit
Before you file

₹499₹999

Launch price until 30 November. ₹999 after that.

Services that prepare consumer complaints for you start at ₹999.

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You file a complaint under section 35 of the Consumer Protection Act, 2019 with the District Consumer Commission when the premium you paid is up to ₹50 lakh (G.S.R. 912(E)). The fee is nil up to ₹5 lakh (G.S.R. 606(E)). The amount you claim does not decide the commission or the fee. The premium does.

The time limit is two years from the cause of action (section 69). We count it from the insurer's written rejection, which is the earlier of the two counts that insurance cases have used. The Act has no rule that excludes the time you spent with the insurer or the ombudsman, so count it as running.

e-Jagriti takes the papers in a set order: index, proforma, synopsis with the list of dates and events, memo of parties, then the complaint with its affidavit as one upload. The bundle builds each of them from your facts, and the affidavit is ready to sign before a notary.

Once you file, the commission ordinarily decides within 21 days whether to admit the complaint (section 36(2)). The insurer then has 30 days to reply, which can be extended by 15 (section 38(3)(a)). Filing a consumer complaint closes the Insurance Ombudsman route on the same claim (Insurance Ombudsman Rules, rule 14(5)).

Fill in your own

₹499₹999

Launch price until 30 November. ₹999 after that.

Services that prepare consumer complaints for you start at ₹999.

The complainant

Who holds the policy? *

Complainant's name *The person or business that holds the policy.

Short description of the complainant *For example "aged 52, a retired teacher" or "a partnership firm".

Complainant's full address *

Mobile number

Email address

The affidavit

Name of the person who swears the affidavit *For a person's own claim, enter the complainant's name. For a business, enter the person it authorises.

The insurer

Insurer's name *

Insurer's registered office address *

Insurer's email address

The policy

Policy number *

Kind of policy *For example "health insurance" or "fire insurance on the shop's stock".

Premium you paid *The premium for the policy. Do not enter the sum insured or the amount you claimed.

The loss and the claim

Date of the loss *The loss or event the claim is for.

What the loss was *

Date you made the claim *

Amount you claimed *

The rejection

Date of the insurer's written rejection *The insurer's first written rejection.

Ground the insurer gave *

Why the rejection is wrong *Write one paragraph on each line.

Other dates and events

Event 1

Date *

What happened *

Other dated steps in the claim, such as your complaint to the insurer, its reply, a Bima Bharosa complaint or a notice you sent.

Has this claim ever been taken to the Insurance Ombudsman, a court or another commission? *

Pending or decided. If yes, this bundle is not built for the claim, and we look at it with you on a call.

What you ask for and where you file

Compensation you ask for *For loss, mental agony and harassment. Enter 0 if you ask for none.

Costs of the complaint you ask for *Enter 0 if you ask for none.

District *A person: where the complainant lives or personally works for gain. A business: where the insurer's branch that issued the policy or handled the claim is.

State *

The documents