“With an objective of providing a forum for resolving disputes and complaints from the aggrieved insured public or their legal heirs, nominee or assignee against Insurance Companies, the Government of India, in exercise of powers conferred by section 24 of the Insurance Regulatory and Development Authority Act, 1999(41 of 1999) framed "Insurance Ombudsman Rules, 2017", which came into force w.e.f. 25th April, 2017. These Rules aim at resolving complaints relating to the settlement of disputes with Insurance Companies and their agents and intermediaries on personal lines of insurance, group insurance policies, policies issued to sole proprietorship and micro enterprises in a cost effective, efficient and impartial manner. These Rules apply to all the Insurance Companies operating in General Insurance business and Life Insurance business, in Public and Private Sector.

To implement the above Rules, the Institution of Insurance Ombudsman has been established and is functioning since 1999. The Ombudsman functions within a set geographical jurisdiction and can entertain disputes relating to:

(a) Delay in settlement of claims.
(b) Any partial or total repudiation of claims by an insurer.
(c) Any dispute over premium paid or payable in terms of the policy.
(d) Misrepresentation of policy terms and conditions at any time in the policy document or policy contract
(e) Any dispute on the legal construction of the policies in so far as such disputes relate to claims.
(f) Policy servicing related grievances against insurers and their agents and intermediaries
(g) Issuance of life insurance policy, general insurance policy including health insurance policy which is not in conformity with the proposal form submitted by the proposer.
(h) Non-issue of any insurance policy to customers after receipt of premium in life insurance and general insurance including health insurance.
(i) Any other matter resulting from the violation of provisions of the Insurance Act, 1938 or the regulations, circulars, guidelines or instructions issued by the IRDAI from time to time or the terms and conditions of the policy contract, in so far as they relate to issues mentioned at clauses(a) to (f).”

To know more about the institution of the Ombudsman, please visit: http://ecoi.co.in/faqs.html

Last Updated: 1st June 2020
Below are the latest contact details of the Ombudsman by zone as per the website of the Office of the Executive Council of Insurers:

Office Details Jurisdiction of Office
Union Territory, District)
Date of Taking Charge
AHMEDABAD - Shri Kuldip Singh
Office of the Insurance Ombudsman,
Jeevan Prakash Building, 6th floor,
Tilak Marg, Relief Road,
Ahmedabad – 380 001.
Tel.: 079 - 25501201/02/05/06
Email: bimalokpal.ahmedabad@ecoi.co.in


Gujarat,
Dadra & Nagar Haveli,
Daman and Diu.



03/10/2019
BENGALURU - Smt. Neerja Shah
Office of the Insurance Ombudsman,
Jeevan Soudha Building, PID No. 57-27-N-19
Ground Floor, 19/19, 24th Main Road,
JP Nagar, Ist Phase,
Bengaluru – 560 078.
Tel.: 080 - 26652048 / 26652049
Email: bimalokpal.bengaluru@ecoi.co.in



Karnataka.



23/04/2018
BHOPAL - Shri Guru Saran Shrivastava
Office of the Insurance Ombudsman,
Janak Vihar Complex, 2nd Floor,
6, Malviya Nagar, Opp. Airtel Office,
Near New Market,
Bhopal – 462 003.
Tel.: 0755 - 2769201 / 2769202
Fax: 0755 - 2769203
Email: bimalokpal.bhopal@ecoi.co.in



Madhya Pradesh
Chhattisgarh.



24/05/2018
BHUBANESHWAR - Shri Suresh Chandra Panda
Office of the Insurance Ombudsman,
62, Forest park,
Bhubaneshwar – 751 009.
Tel.: 0674 - 2596461 /2596455
Fax: 0674 - 2596429
Email: bimalokpal.bhubaneswar@ecoi.co.in



Orissa.



11/09/2019
CHANDIGARH - Dr. Dinesh Kumar Verma
Office of the Insurance Ombudsman,
S.C.O. No. 101, 102 & 103, 2nd Floor,
Batra Building, Sector 17 – D,
Chandigarh – 160 017.
Tel.: 0172 - 2706196 / 2706468
Fax: 0172 - 2708274
Email: bimalokpal.chandigarh@ecoi.co.in


Punjab,
Haryana,
Himachal Pradesh,
Jammu & Kashmir,
Chandigarh.



16/04/2018
CHENNAI - Shri M. Vasantha Krishna
Office of the Insurance Ombudsman,
Fatima Akhtar Court, 4th Floor, 453,
Anna Salai, Teynampet,
CHENNAI – 600 018.
Tel.: 044 - 24333668 / 24335284
Fax: 044 - 24333664
Email: bimalokpal.chennai@ecoi.co.in


Tamil Nadu,
Pondicherry Town and
Karaikal (which are part of Pondicherry).



03/05/2018
DELHI - Shri Sudhir Krishna
Office of the Insurance Ombudsman,
2/2 A, Universal Insurance Building,
Asaf Ali Road,
New Delhi – 110 002.
Tel.: 011 - 23232481/23213504
Email: bimalokpal.delhi@ecoi.co.in



Delhi.



12/09/2019
GUWAHATI - Shri Kiriti .B. Saha
Office of the Insurance Ombudsman,
Jeevan Nivesh, 5th Floor,
Nr. Panbazar over bridge, S.S. Road,
Guwahati – 781001(ASSAM).
Tel.: 0361 - 2632204 / 2602205
Email: bimalokpal.guwahati@ecoi.co.in
Assam,
Meghalaya,
Manipur,
Mizoram,
Arunachal Pradesh,
Nagaland and Tripura.



02/05/2018
HYDERABAD - Shri I. Suresh Babu
Office of the Insurance Ombudsman,
6-2-46, 1st floor, "Moin Court",
Lane Opp. Saleem Function Palace,
A. C. Guards, Lakdi-Ka-Pool,
Hyderabad - 500 004.
Tel.: 040 - 67504123 / 23312122
Fax: 040 - 23376599
Email: bimalokpal.hyderabad@ecoi.co.in


Andhra Pradesh,
Telangana,
Yanam and
part of Territory of Pondicherry.



11/06/2018
JAIPUR - Smt. Sandhya Baliga
Office of the Insurance Ombudsman,
Jeevan Nidhi – II Bldg., Gr. Floor,
Bhawani Singh Marg,
Jaipur - 302 005.
Tel.: 0141 - 2740363
Email: Bimalokpal.jaipur@ecoi.co.in



Rajasthan.



13/04/2018
ERNAKULAM - Ms. Poonam Bodra
Office of the Insurance Ombudsman,
2nd Floor, Pulinat Bldg.,
Opp. Cochin Shipyard, M. G. Road,
Ernakulam - 682 015.
Tel.: 0484 - 2358759 / 2359338
Fax: 0484 - 2359336
Email: bimalokpal.ernakulam@ecoi.co.in


Kerala,
Lakshadweep,
Mahe-a part of Pondicherry.



07/11/2018
KOLKATA - Shri P. K. Rath
Office of the Insurance Ombudsman,
Hindustan Bldg. Annexe, 4th Floor,
4, C.R. Avenue,
KOLKATA - 700 072.
Tel.: 033 - 22124339 / 22124340
Fax : 033 - 22124341
Email: bimalokpal.kolkata@ecoi.co.in


West Bengal,
Sikkim,
Andaman & Nicobar Islands.



30/09/2019
LUCKNOW -Shri Justice Anil Kumar Srivastava
Office of the Insurance Ombudsman,
6th Floor, Jeevan Bhawan, Phase-II,
Nawal Kishore Road, Hazratganj,
Lucknow - 226 001.
Tel.: 0522 - 2231330 / 2231331
Fax: 0522 - 2231310
Email: bimalokpal.lucknow@ecoi.co.in

Districts of Uttar Pradesh:
Lalitpur, Jhansi, Mahua, Hamirpur, Banda,
Chariot, Allahabad, Mirzapur, Sonbhabdra,
Fatehpur, Pratapgarh, Jaunpur,Varanasi,
Gazipur, Jalaun, Kanpur, Lucknow, Unnao,
Sitapur, Lakhimpur, Bahraich, Barabanki,
Raebareli, Sravasti, Gonda, Faizabad,
Amethi, Kaushambi, Balrampur, Basti,
Ambedkarnagar, Sultanpur, Maharajgang,
Santkabirnagar, Azamgarh, Kushinagar,
Gorkhpur, Deoria, Mau, Ghazipur, Chandauli,
Ballia, Sidharathnagar.



11/09/2019
MUMBAI - Shri Milind A. Kharat
Office of the Insurance Ombudsman,
3rd Floor, Jeevan Seva Annexe,
S. V. Road, Santacruz (W),
Mumbai - 400 054.
Tel.: 022 - 26106552 / 26106960
Fax: 022 - 26106052
Email: bimalokpal.mumbai@ecoi.co.in


Goa,
Mumbai Metropolitan Region
excluding Navi Mumbai & Thane.



04/05/2018
NOIDA - Shri Chandra Shekhar Prasad
Office of the Insurance Ombudsman,
Bhagwan Sahai Palace
4th Floor, Main Road,
Naya Bans, Sector 15,
Distt: Gautam Buddh Nagar,
U.P-201301
Tel.: 0120-2514250 / 2514252 / 2514253
Email: bimalokpal.noida@ecoi.co.in
State of Uttaranchal and the following
Districts of Uttar Pradesh:
Agra, Aligarh, Bagpat, Bareilly,
Bijnor, Budaun, Bulandshehar, Etah,
Kanooj, Mainpuri, Mathura, Meerut,
Moradabad, Muzaffarnagar, Oraiyya, Pilibhit,
Etawah, Farrukhabad, Firozbad,
Gautambodhanagar, Ghaziabad, Hardoi,
Shahjahanpur, Hapur, Shamli,
Rampur, Kashganj, Sambhal, Amroha,
Hathras, Kanshiramnagar, Saharanpur.



17/09/2019
PATNA - Shri N. K. Singh
Office of the Insurance Ombudsman,
1st Floor,Kalpana Arcade Building,
Bazar Samiti Road,
Bahadurpur,
Patna 800 006.
Tel.: 0612-2680952
Email: bimalokpal.patna@ecoi.co.in



Bihar,
Jharkhand.



09/10/2019
PUNE - Shri Vinay Sah
Office of the Insurance Ombudsman,
Jeevan Darshan Bldg., 3rd Floor,
C.T.S. No.s. 195 to 198,
N.C. Kelkar Road, Narayan Peth,
Pune – 411 030.
Tel.: 020-41312555
Email: bimalokpal.pune@ecoi.co.in


Maharashtra,
Area of Navi Mumbai and Thane
excluding Mumbai Metropolitan Region.



03/12/2019