Ombudsman deadline checker.

The rules this uses

• You must first complain in writing to the insurer. The insurer must acknowledge it immediately and resolve it within 14 days.
• You can go to the Ombudsman if the insurer rejects your complaint, doesn’t reply within one month of receiving it, or you’re not satisfied with its reply (Insurance Ombudsman Rules 2017, rule 14(3)).
• File within one year of the rejection or reply, or of the end of that one month if there was no reply. The Ombudsman can condone a delay after hearing the insurer.
• The Ombudsman can award up to ₹50 lakh, including expenses (rule 17(3), as amended in November 2023).
• It can’t take a complaint that is pending before, or decided by, a court, consumer commission or arbitrator (rule 14(5)).
• File with the office covering the insurer’s branch you dealt with, or the office for where you live. Filing is free.

Find your office in our list of Insurance Ombudsman offices and jurisdictions.

Dates are counted conservatively

The rules say “within one year” and “within one month” without saying how the days are counted. This checker shows the day before the anniversary as the last date, so you are never told a date that could be one day late.