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Insurance Ombudsman complaint on Annexure VI-A

How do I file a complaint with the Insurance Ombudsman?

Your complaint on Annexure VI-A filled from your facts, the mediation consent page, the list of documents to file and your last date.

  • Complaint to the Insurance Ombudsman (Annexure VI-A)
  • Consent to mediation
  • Documents to file
  • Before you file

₹499₹799

Launch price until 30 November. ₹799 after that.

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  • Full refund if the documents are not delivered
  • Refund policy

Under rule 14 of the Insurance Ombudsman Rules, 2017, you complain after you have written to the insurer, and you file within one year. The year runs from the insurer's reply, or from the end of one month after you wrote if it never replied (rule 14(3)(b)). You can file online at cioins.co.in, by email, by post or by hand (rule 14(2)). The ombudsman charges no fee.

The Rules list what a complaint must state and give no form. After registering a complaint, the ombudsman's office writes asking for Annexure VI-A, the form the Council for Insurance Ombudsmen publishes, with your documents and a signed copy of the policy within 10 days. The office closes the complaint if they do not arrive. The pack fills Annexure VI-A, with the form's own wording, from your facts.

The ombudsman also asks for your consent to mediate. A recommendation from mediation binds you only if you accept it in writing within 15 days (rule 16(2)). If you decline or mediation fails, the ombudsman passes an award. It cannot exceed the loss caused by the matter complained of, and never ₹50 lakh including expenses (rule 17(3)).

The pack also lists the documents to attach and gives your last date to file. The ombudsman cannot hear a matter that is before or decided by a court, consumer forum or arbitrator (rule 14(5)).

Fill in your own

₹499₹799

Launch price until 30 November. ₹799 after that.

You

Your name *
Your full address with PIN code *
Mobile number *
Other telephone number
Email address
Your relationship to the insured *
Who holds the policy? *

The ombudsman and the insurer

Ombudsman centre *The centre whose area covers your home or the insurer's office you complain against. The Offices of Ombudsman page on cioins.co.in lists each centre's area.
Insurer's name *
Address of the insurer's branch or office you complain against *
Division or branch name or code
Policy number *
Kind of insurance *

The complaint

What is the complaint about? *
Brief details of the case *What happened, in date order where you can.
Date you made the claim or first complaint to the insurer *
Monetary loss, if anyOptional. The form asks for it in general insurance cases only, so it is left blank for a life policy.
Relief you seek *The ombudsman cannot award more than ₹50 lakh including expenses.

Your written complaint to the insurer

Date you sent your written complaint to the insurer *The letter, email or online complaint to its grievance officer. The ombudsman needs one first.
Date the insurer received itLeave empty if you sent it by email or online.
What did the insurer do? *
Is or was this matter before a court, consumer forum or arbitrator? *
Has any ombudsman office dealt with this matter before? *

The documents

Other documents you file
Your complaint to the insurer, its reply, the policy and your KYC are listed already. Add bills, reports or letters.
Date on the complaint *Today, or any day in the next seven days.

We keep your answers and number so we can help if you ask. Ask us at any time and we delete them.

BuildWright does documentation, filing and compliance facilitation. This tool works from the rules cited on this page and does not give legal advice. We prepare the documents from your answers; you check, sign and send or file them.

Common questions

Which ombudsman centre do I file with?

The centre whose area covers your home address or the insurer's branch you complain against (rule 14(1)). The Offices of Ombudsman page on cioins.co.in lists the 18 centres and their areas.

Do I have to write to the insurer first?

Yes. Rule 14(3)(a) needs a written representation to the insurer, and either its rejection, a reply that does not satisfy you, or a month with no reply. Online filing on the portal asks for a copy of that complaint.

Does the consent to mediation bind me?

The consent lets the ombudsman act as mediator, and its wording is unconditional and irrevocable, so sign it only if you want mediation. A recommendation binds you only if you accept it in writing within 15 days (rule 16(2)).

Can I take the matter to a consumer commission too?

Not while the ombudsman has it. Rule 14(5) stops the ombudsman from hearing a matter pending before or decided by a court, consumer forum or arbitrator, so choose one route.

Can I see the document before I pay?

Yes. Fill in your details and the page shows the first page of each document with your own answers in it. You pay only if it is what you need.

Can I change the document after I download it?

Yes. Each document comes as a Word file you can edit and a PDF you can print. You can also change your answers and prepare it again before you pay.

What if the payment goes through and the documents do not open?

The page checks the payment again and opens the documents on the same payment, so you are never charged twice. If they still do not arrive, write to us within 7 days and we refund the full amount.

Can you send or file it for me?

Yes. After you download, ask us to take the next step and we handle the sending or filing for you.

Not sure it applies to you?Check with the free Insurance Claim Rejected: What Next first. Nothing you enter is stored.

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