Grievance redressal

If something went wrong, here is exactly how to raise it and how to escalate.

Step 1 — Tell us

Most issues are solved fastest by contacting us directly. Share your reference (PM-XXXXXX) and a short description.

• Email: [CONTACT EMAIL]
• Phone / WhatsApp: [CONTACT PHONE]

We aim to acknowledge within [NUMBER] working days and resolve within [NUMBER] working days.

Step 2 — Escalate to the insurer

If your complaint is about a policy you bought (issuance, servicing, or a claim), it is decided by the insurer. Each insurer has a Grievance Redressal Officer and a complaints process printed in your policy document and on the insurer's website. We will help you reach the right desk.

Step 3 — IRDAI

If you are not satisfied with the insurer's response, or get no reply within 15 days, you may approach the Insurance Regulatory and Development Authority of India (IRDAI):

• Bima Bharosa (IRDAI grievance portal): bimabharosa.irdai.gov.in
• Toll-free: 155255 or 1800 4254 732
• Email: complaints@irdai.gov.in

Insurance Ombudsman

For unresolved claim or service disputes, you may approach the Insurance Ombudsman for your region free of charge. The Kerala office covers our area: cioins.co.in.

Data & privacy complaints

For concerns about how your personal data is handled, see our Privacy Policy. If unresolved by us, you may approach the Data Protection Board of India under the DPDP Act, 2023.