Lic insurance consumer complaint
Ruturaj
(Querist) 03 March 2012
This query is : Resolved
I paid Rs. 5000/- to LIC for policy of Health Plus on 31st December 2010. Till today Lic has not issued me any document, letter or policy in this regard. Only correspondence I have is payment receipt and certain documents of LIC's internal communication. These documents I got through RTI with the help of my agent. My agent in this case is helpless cause of ill health.
I emailed to Chairman of Lic but there is absolutely no communication from Lic.Only their officers are promising my agent that they will solve the matter at earliest.
Now the problem is what course of action I should take. Whom to approach IRDA or Consumer Court? Jurisdiction is Mumbai.
Deepak Nair
(Expert) 03 March 2012
Dear Mr.Ruturaj,
you can send a notice to LIC stating all the facts and demanding the policy documents. If they fail, you can approach the consumer forum.
Ruturaj
(Querist) 03 March 2012
Thank you, Mr. Nair
adv. rajeev ( rajoo )
(Expert) 03 March 2012
First issue notice to LIC to send the policy, if LIC failed to issue then file a consumer case. It comes under deficiency of service.
Ruturaj
(Querist) 03 March 2012
Thank you, Mr. Rajeev
Deepak Nair
(Expert) 03 March 2012
You are always welcome.
A V Vishal
(Expert) 03 March 2012
Advise to approach IRDA since they are competent to redress such grievance/cases
Grievance Cell
Cell for redressal of grievances of Policyholders
The Grievance Redressal Cell of the Insurance Regulatory and Development Authority looks into complaints from policyholders. Complaints against Life and Non-life insurers are handled separately. This Cell plays a facilitative role by taking up complaints with the respective insurers.
Policyholders who have complaints against insurers are required to first approach the Grievance / Customer Complaints Cell of the concerned insurer. If they do not receive a response from insurer(s) within a reasonable period of time or are dissatisfied with the response of the company, they may approach the Grievance Cell of the IRDA. The complaints need to be addressed to the Non-life insurance Grievance Cell of the IRDA and forwarded to the address given below.
Only cases of delay/non-response regarding matters relating to policies and claims are taken up by the Cell with the insurers for speedy disposal.
As claims/policy contracts in dispute require adjudication and the IRDA does not carry out any adjudication, insureds are advised to approach the available quasi-judicial or judicial channels, i.e., the Insurance Ombudsmen, Consumer fora or the Civil courts for such complaints. The list of Insurance Ombudsmen along with their contact details are available on this website under the heading ‘Ombudsmen’.
Only complaints from the insureds themselves or the claimants shall be entertained. The Cell shall not entertain complaints written on behalf of policyholders by advocates or agents or any third parties.
Where complaints are being sent through e-mail, complainants are requested to submit complete details of the complaint as required in the complaints registration form. Without this the Cell will not be in a position to register the complaint.
Registration of Complaints:
Policyholders wishing to register complaints with the IRDA are requested to use the registration form put on this website (to provide the link).
CALL CENTER : TOLL FREE NO:155255
Contact information:
Complaints against Non-life insurance companies:
Private Insurers:
Shri K.Srinivas, Asst. Director,
Insurance Regulatory and Development Authority
Consumer Affairs Department
United India Tower, 9th floor, 3-5-817/818,
Basheerbagh, Hyderabad – 500 029.
e-mail ids:complaints@irda.gov.in
Public Sector Insurers:
Mr.R.Srinivasan, Officer on Special Duty
Insurance Regulatory and Development Authority
Consumer Affairs Department
United India Tower, 9th floor, 3-5-817/818,
Basheerbagh, Hyderabad – 500 029.
e-mail ids: complaints@irda.gov.in
Complaints against Life Insurance Companies:
Mr. T Venkateswara Rao, Deputy Director
Insurance Regulatory and Development Authority
Consumer Affairs Department
United India Tower, 9th floor, 3-5-817/818,
Basheerbagh, Hyderabad – 500 029.
A V Vishal
(Expert) 03 March 2012
Shri S Viswanathan
Insurance Ombudsman,
Office of the Insurance Ombudsman,
3rd Floor, Jeevan Seva Annexe,
S.V. Road, Santacruz(W),
MUMBAI-400 054.
Tel : 022-26106928Fax : 022-26106052
Email ombudsmanmumbai@gmail.com
Ruturaj
(Querist) 04 March 2012
THANK YOU MR. A.V. Vishal
