Letters

Free Insurance Claim Rejected Complaint Letter

Claim rejected, cut or stuck? Write to the insurance company first, then to the Insurance Ombudsman — with the time limits worked out for you.

Insurer + Ombudsman Limits shown English or हिन्दी

See the letter and download ↓

Your details

Your full name (policyholder / claimant)

Address

Mobile

Email (optional)

The policy and claim

Insurance company

Policy type

Policy number

Claim number (if any)

Amount claimed (₹)

Amount paid, if any (₹)

Date of rejection / last reply

Problem

Reason the company gave

Why it is wrong (short)

Letter

To (optional)

Insurance Ombudsman office

Date you complained to the company

Company complaint no. (if any)

Date of this letter

Place

Everything you type stays in your browser — nothing is uploaded or saved.

Email the company letter to its grievance officer; file the Ombudsman letter online at cioins.co.in or send it by post, with copies of your documents.

What to do, in order

Complain to the insurance company first — to its grievance officer, by email or its website, and keep the complaint number. The Council for Insurance Ombudsmen says the company “should deal with your complaint within 30 days”.
Not satisfied, or no reply in 30 days? Complain to the Insurance Ombudsman — online at cioins.co.in (Lodge Complaint), or by post / email to the Ombudsman office for your area. There is no fee.
Limits: within 1 year of the rejection or partial settlement; claim value up to ₹50 lakh including expenses; and the matter must not be before any other forum, court or arbitrator. It covers personal and group policies (life, health, general, motor) and complaints about delay, full or partial rejection, premium, policy terms and servicing.
Keep proof: policy, claim form, rejection letter, bills, reports, and your complaint to the company.
Sources checked 1 Nov 2026 (Council for Insurance Ombudsmen). This is a draft to help you, not legal advice; for large claims or a court case, see a lawyer.

Kaise use karein

Pehle insurance company ke grievance officer ko likhein — complaint number sambhal kar rakhein.
30 din mein jawab na mile ya jawab theek na lage to Insurance Ombudsman ko cioins.co.in par complaint karein — koi fees nahi.
Rejection ke 1 saal ke andar, aur ₹50 lakh tak ke claim ke liye.

Dhyan dein

Policy, claim form, rejection letter, bills aur reports ki copy saath lagayein.

Questions people ask

My insurance claim was rejected — what do I do first?

Write to the insurance company’s grievance officer with the reason it is wrong and your documents (this page writes the letter). Keep the complaint number.

When can I go to the Insurance Ombudsman?

After complaining to the company, if you are not satisfied with its reply or it does not deal with the complaint within 30 days.

Is there a time limit or amount limit?

Yes: within 1 year of the rejection / partial settlement, and the claim (with expenses) must not be more than ₹50 lakh.

Does the Ombudsman charge a fee?

No. You can file online at cioins.co.in or send a signed complaint by post or email.

Can I write it in Hindi?

Yes. Choose हिन्दी above the form, and पुरुष or महिला so the verbs are right.

Is anything I type sent anywhere?

No. The letter is made in your browser.

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