Top consumer complaints in 2024 - Voxya Consumer Forum Online

Insurance Complaints

Insurance is a means of protection from financial loss. It is a form of risk management primarily used to hedge against the risk of a contingent or uncertain loss.

It’s one of the most prominent things that ensures the user that they will be saved from a major burden. 472 million people in India have health insurance. Source

Insurance is usually brought as it gives peace to the mind of the holders. There are two types of insurance namely life insurance and general insurance. The life insurance offers compensation in case of death or disability whereas general insurance offers compensation in scenarios other than death.

Life insurance can be divided into term life, pension plans, money-back policy and unit-linked insurance plans. General insurance can be divided into motor insurance, home insurance, health insurance and fire insurance.

But no one knows what will happen next and what if you get trapped in an insurance scam? Or you are not happy with your insurance company?

Many people don’t know the exact route to file a complaint against their insurance company and often get confused about consumer rights but this article will tell you:

- What are the insurance complaints?
- Famous insurance companies in India
- Types of Insurance complaints
- How to resolve the complaints?

Yes, this article will answer all your questions. Let’s start with what exactly an insurance complaint is?

The 2017 notification on the protection of policyholders defined ‘insurance complaints’ as a written expression of dissatisfaction made by the complaint against an entity like the insurer, agent or broker.

The complaint can be about an action or lack of action, the standard of service, or deficiency of service.

Now let’s see some of the famous insurance companies in India.

Famous Insurance Companies In India

India has 57 insurance companies out of which 24 are life insurance. The following are the top 10 companies in India.

1. LIC: Life Insurance Corporation of India: LIC is the most heard insurance corporation of India. It is an investment corporation owned by the government of India and is an Indian state-owned insurance group. Having headquarters in Mumbai, It was founded on 1st September 1956 when the life insurance of India act was passed and the insurance industry of India was nationalized. They have settled 26 million claims in 2018-19 and have a total life fund of 28.3 trillion. LIC was rated as the 6th most trusted service brand of India by the Economic times brand equity survey of 2012.

2. ICICI Prudential Life Insurance: Can you guess what was the first insurance company to be listed on the Indian stock exchange? This company was the first insurance company in India to be listed on the Indian stock exchange. They started in 2001 and currently have $14 billion in assets under management. They offer long term insurance plans and work in the financial service sector.

3. HDFC Standard Life Insurance: This is a joint venture between a housing development finance corporation and standard life Aberdeen. Having headquarters in Mumbai, HDFC now has 421 branches in 980+ cities and towns in India. In 2012, it became the first private life insurance company to bring back pension plans under the new regulatory regime, with the launch of two pension plans which are HDFC Life Pension Super Plus and the HDFC Life Single Premium Pension Super.

4. Max Life Insurance: This company is a subsidiary of the public listed company called Max financial services. After the liberalization of the insurance sector, this company was founded in 2000 while the operations began in 2001. Their headquarters is in New Delhi.

Banks, individual agents, brokers, and corporate agents are some of Max Life's distribution channels. It provides linked participating and non-participating products. It also covers health, pension, and annuity. Child, protection, retirement, savings, and growth plans are offered to individuals and groups.

5. SBI Life Insurance: SBI is the largest state-owned bank in the country and SBI life insurance is the joint venture of the state bank of India and BNP Paribas. It is a public limited company and was founded in 2001. SBI Life Insurance has an authorized capital of 20 billion (US$280 million) and a paid-up capital of 10 billion (US$140 million).

6. Bajaj Allianz General Insurance: This is a joint venture between Bajaj Finserv and Bajaj Auto. It offers financial planning and security. Founded in 2001 they have headquarters in Pune, Maharashtra. To conduct general Insurance business in India Bajaj Allianz Life Insurance received a certificate by the Insurance Regulatory and Development Authority (IRDA) called the Certificate of Registration on 3 August 2001.

7. Tata AIA Life Insurance: Major Insurance companies are joint ventures and so is this. Founded in 2001 they currently have headquarters in Mumbai. The organization offers general insurance. Energy, Marine, Property, and specialized Financial covers are being covered by The commercial sector. Insurance for Automobiles, personal accidents, casualty, home, health, and travel are some of the services that the consumer insurance service offers.

8. Reliance Nippon Life Insurance: This is one of the most prominent insurance companies in India. This is a joint venture and was founded in 2001. They have their headquarters in Mumbai. The company achieved a profit of Rs. 3.80 billion. 760,000 policies were sold during 2012–13 with total managed funds valuing at Rs. 181.89 billion, They managed to do this through a wide network of distribution with 1,230 offices and over 124,000 advisors.

9. Bharti AXA General Insurance: This is a joint venture between Bharti Enterprises and Axa business group. They started their operations in 2008 and currently have 104 branches around the country. They offer various products catering to retail, rural, and commercial clients. Broadly, it offers insurance for motor and two-wheeler insurance, health and critical illness, property, student and individual and family travel, crop insurance, and commercial lines.

10. Aditya Birla General Insurance: This was established in 1994 as a joint venture between the Aditya Birla Group and Sun Life Financial of Canada. Founded in 1994 they are currently serving in 26 countries.

Yes, all these were some of the most famous insurance companies in India but everything’s famous is not always good! Is it? There could be thousands of arising problems and you can be unhappy with an insurance company for various reasons.

So let’s see some of the major types of insurance complaints that are seen among the people.

Types of Insurance Complaints

1. Policy maturity issues: Plenty of people at voxya have reported that their policy has matured but the amount has not been credited in their bank accounts yet. It is usually the refusal of an insurance company to honor a request by an individual. This is one of the most common issues reported by consumers from Mumbai, Pune, Bangalore, New Delhi, Kolkata etc, at the Voxya website.

2. False commitments: This happens a lot of times if the person taking the insurance is not checking all the formalities carefully. Misrepresentation in paper works is very easily possible and takes place on a very wide scale. Also, many times insurance agents are committing wrong details of the policy in order to get sales and meet their sales target. Thus one needs to read all the paperwork carefully and clear all the concerns carefully before taking any insurance or buying any other service in general.

3. Delays: This is also one of the most common insurance complaints seen. There can be delays in listening to your concerns or in taking an action. Even Though sometimes this issue can arise because of some internal defect but if the settlement or processing of a claim does not take place in some time then it can cause problems.

4. Unsatisfactory claim settlement: If delays are not affecting you then it can be an unsatisfactory claim settlement. We don’t always get what we demand and most of the time it can be irritating for the consumers. This happens mostly in health or medical insurance where claims are not settled in full by the insurance company. Again this type of comlpaint has been reported in almost all the major cities like Bangalore, Pune, Mumbai, Kolkata, New Delhi etc.

5. Wrong Treatment: Do you like rude behavior? No one does! Not getting your concerns listened to or just being not behaved properly can make people dislike a company. Therefore creating a good relationship with the consumer is very important.

6. Negligence: This means the failure to take proper care of something. The law of negligence requires individuals to conduct themselves in a way that conforms to certain standards of conduct. If a person does not conform to that standard, the person can be held liable for the harm he or she causes to another person or property.

As we have seen the most possible insurance disputes let’s see how you can resolve them.

How to Resolve Insurance Complaints?

Step 1: File a formal complaint with your Insurer
You can send a written complaint to your insurer with all the supporting documents that you have. The contact details of all the insurance companies are available on their policy documents or their website contact pages. You can also find all of their contact details on the Insurance Regulatory and Development Authority (IRDA). The helpline number of some leading insurance companies in India are :

LIC Customer Care Number - 022 6827 6827
ICICI Prudential Life Insurance Customer Care Number - 1860 266 7766
Reliance Life Insurance Customer Care Number - 022 4882 7000
Bajaj Allianz Customer Care Number - 1800 209 5858
Birla Sun Life Customer Care Number - 1800 270 7000
SBI Life Insurance Customer Care Number - 1800 267 9090
Max Life Insurance Customer Care Number - 1860 120 5577
HDFC Standard Life Customer Care Number - 1800 22 7227
Tata AIA Life Insurance Customer Care Number - 080676 03700

The Insurance company should address your issue in 15 days, in case of not getting the issue resolved or if you are not satisfied with the solution, you can complain to the IRDA.

Step 2: Register a complaint with IGMS (Integrated Grievance Management System) of IRDA
Once your complaint is registered you will be allotted a token reference number and you can use that number to monitor the complaint. You should visit http://igms.irda.gov.in for taking action.

Step 3: Contact an Ombudsman
Ombudsman is an official who, usually appointed by the government who investigates complaints against businesses, financial institutions, or government departments or other public entities, attempts to resolve the conflicts or concerns raised, either by mediation or by making recommendations.

The official demands evidence and all the necessary information to understand the case better and see it from the eyes of both parties. They do a full assessment and give their final assessment.

Step 4: Take legal action against your Insurance company
If nothing works out well you still have the doors open for the consumer court. You can send legal notice to the insurance company if it is unable to resolve your complaint. It is one of the efficient ways to handle the issue legally.

Check below to know how to send a legal notice to the insurance company?

i) Firstly, get a legal notice drafted by a lawyer.
ii) Check it properly and make sure it is signed by a lawyer.
iii) Keep a copy of it for future purposes.
iv) Send the legal notice to the insurance company by registered post.
v) Keep the slip or delivery report for evidence.

Step 5: File consumer forum case
Consumer forum deals with consumer complaints and you should approach consumer forum if you feel that your rights as a consumer have been violated. If an insurance company is not responding to your complaints even after sending legal notice by a lawyer then you should file a case against it in a consumer court.

Here is how you can file a case in the consumer court?

Step 1: Intimate the aggrieved party via legal notice.
Step 2: Draft the consumer complaint
Step 3: Attach all the relevant documents and proofs to support your complaint.
Step 4: Select the appropriate court for filing the complaint.
Step 5: Pay the prescribed court fee that is required to be paid along with the complaint.
Step 6: Submit the case along with the affidavit & fees in the court.

Points to Remember:
Make sure you have complained to the relevant insurance company before approaching the IRDA.
The IGMS system allows the policyholder to amend his complaint midway.

If you are finding all this information overwhelming and can’t manage to do it all alone then let Voxya help you strengthen your voice and solve insurance disputes on your behalf.

Voxya is a unique platform for resolving consumer complaints against brands quickly. We help consumers in fighting against injustice, fraud, and lousy customer service.

We use social media, business networks, and legal frameworks to resolve consumer disputes. We take every consumer complaint personally and ensure that we do everything that we can to get the consumer complaints resolved.

So why take so much trouble, if you have the solution just some clicks away!
Get your complaint resolved. File your Insurance Complaint at Voxya now!

Most Common Issue Reported for Insurance Complaints

Policy issues

Policy maturity issues

False commitments

Fake insurance policy

Rejection of health insurance claim (Norka Care Health Insurance Limited) ^Open

I have purchased the norka health insurance for myself and family and paid a premium of *****. The TPA for the norka health insurance is Vidal Health TPA. As per the policy document shared with me, its clearly mentioned that "Maternity not cove...

May 28, 2026 by VINEETH V M

Wrongful Repudiation and Unfair OTS Settlement Motor Insurance Claim Pending for 57 Days (Bajaj General Insurance ) ^Open

I am filing this complaint against Bajaj General Insurance Limited for wrongful repudiation of my motor insurance claim, unfair settlement amounts, arbitrary exclusion of damaged parts, and complete failure of the internal grievance mechanism ...

May 23, 2026 by Majid Ali

Car repaired without consent (Mercedes Benz India) ^Open

That the Complainant purchased a Mercedes V*** GLE *** D *MATIC AMG LINE vide chassis No. WINFB*DBOSMO***** bearing No. PB- **-DN **** from IJM PANJAB MOTORS PVT. LTD. MERCEDES BENZ INDIA PVT. LTD. SCO *** GF, SECTOR **-C, CHANDIGARH-*****...

May 20, 2026 by Chirag Hasija

Claim not resolved (Broadridge Solutions) ^Open

I already submitted my father hospital documents on April **, ****, Lalith is handle my case but he always talking to rude behavior not response on call messages and my claim still not proceed i already submitted required documents on the porta...

May 08, 2026 by Naveen Kumar

Road side assistance service failure sabotage and intentionally damaged my car with push start no (Bajaj General Insurance ) ^Open

OFFICIAL CONSUMER COMPLAINT: NCH PORTAL Subject: FINAL REJECTION OF RESOLUTION & ACCUSATION OF GROSS HARASSMENT (Complaint No: ******** / IRDAI Token: **-**-******) Complaint Description: I, Sonia Sahni, representing the **-year-old policyh...

Apr 12, 2026 by Sonia sahni

HDFC ERGO Deficiency in service not acknowledging NCB Protection cover nor sending a renewal link f (HDFC Ergo General Insurance) ^Open

Policy & Reference: Car Insurance Policy No. ******************* | Mail Complaint Ref No. ***-***-***. Complaint against HDFC ERGO for a "Deficiency in Service" regarding the renewal of my car insurance policy. Despite having a paid for NCB ...

Mar 28, 2026 by Tejesh

LPG ACCIDENT INSURANCE CLAIM (INDIAN GASS) ^Open

Respected Sir, I am writing this to report a severe gas leakage accident at my residence in Samalkha on [* February **** ]. I am a consumer of AR Agency samalkha panipat . Due to a sudden leakage from the cylinder, a fire broke out in ...

Mar 09, 2026 by CHAND

OLA Care Plus Policy Spare Parts Replacements (OLA ELECTRIC) ^Open

I have bought OLA Care Plus Policy on *th August ****, During the Policy purchased time OLA Care Policy given parts replacements free for Disk Break pads & Mid Drive Belts & Other Parts, Labour charges and without any limitations of Towing serv...

Jan 03, 2026 by Vignesh

Legal Notice Consumer Court Case Filed for MisSelling and Mental Harassment (Max Life Insurance Company) ^Open

...

Oct 25, 2025 by ARYAN SINGH KUSHWAH

Without Confirmation insurance policy amount deducted (Cigna Manipal Insurance Company Hyderabad) ^Open

I have taken the Health insurance policy from Cigna Manipal Health Insurance Company few years back for my family for the Sum of Rs.******/- (Rupees three lakh only) and paid the amount on time every year. Further every year the policy amount w...

Aug 20, 2025 by M Basit

Missselling by agents for Bharti AXA Elite Advantage plan (Bharti AXA insurance ) ^Open

Purchased Bharti AXA Elite Advantage plan thrice with increased amount but after an year came to know that I was miss-guided by the agents about the maturity benefits. Customer Care confirmed that instead of three promissed benefits by agents, ...

Jul 09, 2025 by Siddharth Dashore

Complaint against unjust claim rejection (United India Insurance co ltd ) ^Open

Respected Sir/Madam, I am writing to formally submit my complaint against the unjust repudiation of my motor insurance claim by United India Insurance Co. Ltd., related to my vehicle Tata Harrier (Reg. No. HR**A****), under Policy No. ******...

Jul 09, 2025 by ADARSH DUHAN

Policy missell and fraud (Edelweiss Tokio Life Insurance Company Limited) ^Open

In the year ****, * policies were mis- sold to me by some persons by telephone. It was told to me that they are from GBIC. The policies issued that time are as follows. *. Bharti Axa (*****/-) as policy port in the name of myself *. Edelweiss...

May 27, 2025 by SWARUP CHATTERJEE

False Insurance Claim by Vehicle Service Centre (Indus Motors Maruti Suzuki Dealer in Kerala) ^Open

On **/**/****, visited the premises of Indus Motors, Authorized Service Centre for Maruti Suzuki, Kootupatha, Palakkad, Kerala for repairing some simple scratches & dents on the bonnet hood of my Maruti Suzuki Vitara Brezza attributed on rever...

Mar 22, 2025 by G Vijaya Kumar

Accidental damage Insurance plan coverage denied while still within date (OnePlus) ^Open

I had bought this Oneplus **R just less than * years ago. I had bought it's official Insurance plan from OnePlus Care app (had read all the terms and conditions there) which was from Servify (they were official partners of OnePlus who handled ...

Mar 11, 2025 by Akshay Kumar Lohar

Wrong Commitment by Agent (Lic Of India) ^Open

I am writing to bring to your attention a matter of concern regarding the handling of my grievance registered with your esteemed organization. I had submitted a complaint under complaint number **********. The information provided by the tea...

Feb 22, 2025 by AMIT KALYANMAL MAHESHWARI

Insurance claim deny (One assist insurance company ) ^Open

May flipkart se boat immortal*** I had bought a product for which I had taken insurance from one assist where no terms and conditions were written at the time of buying the product but when I asked for a claim for it they said you have more th...

Nov 09, 2024 by Aman kumar

Worst service from policy bazar (POLICY BAJAAR) ^Open

Sir, This is an escalation against policy bazar.I have bought * policies from policy bazzar but from **** till the date whenever there is a help needed from policy bazzar i havent received.They always give wrong promises while purchasing or...

Oct 04, 2024 by Sree Raj Nair

Insurance claim rejected (One assist ) ^Open

Ek company hai one assist jisse maine phone damage protection liya jb mera phone tuta to wo bol rhe ** hours ke andr hi claim krna hota hai jab ki mere bete ka sadi tha.. * claim reject kr diya gya hai...

Oct 03, 2024 by Sanjay Singh

Medical reimbursement from Jeevan Arogya of LIC (Lic Of India) ^Open

My car met with accident on **th December **** Madanpalli,near Bangalore and both the bones of my left hand got broken. On **.**.**** my hand was operated (under Employee Health Scheme of Government of Andhra Pradesh). On **.**.**** I got retir...

Sep 11, 2024 by Ajay Kumar Goel

Fasal bima ke sambandh me (iffko tokiyo ) ^Closed

mera kcc icici bank bahraich me hay jo ki ******rupya ka hay jis par iffko tokiyo compane ne kharid **** ka bima kia tha jiska primiyam ****rupya bank se kaat liya tha na mujhe policy no diya na mera dhan ki fasal **bighe thi jo baish ke karan ...

Jan 21, 2026 by shyam manoher verma

Motor Claim Not Settled (Reliance General Insurance Company Limited) ^Closed

Hi Team, I have cooperated with Reliance Insurance company for all queries and submitted bill for reimbursement. I have not yet received the claim amount and claim is not processed. Claim ID ********** - Reliance General Insurance Motor Insu...

Jul 08, 2025 by Veeresh RV

i28 08m 0g g 8 g (Baja fineserv ) ^Closed

.*K&/ (?*G&( *(> *H ? .H *M*?/>* S/* *$M/*>* *?* (G &?(> */**/**** K one plus Nord CE * +K( bajaj Finserv *G *K( ** *?/> %> *G *>% ,@.> *I*?*@ -@ ?/> /> %> * ,$>/> %> @ +K( .G K &?M$ *K(G ** ,@.> *(@ @ *>G &GG , .G...

Jun 19, 2025 by Priyansh

i28 08m 0g g 8 g (Baja fineserv ) ^Closed

Jun 19, 2025 by Priyansh

Insurance Fraud (Policybazaar) ^Closed

I have purchased a non zero dep policy in **** for my car from policy bazaar and in the next year ****, I have upgraded it to a zero depreciation policy. I have raised a claim where insurance company treated it as normal because they told me t...

Apr 04, 2025 by Hemant Kumar

Refund not credited (Bajaj allianz) ^Closed

Immediate Action Required: Escalation of Unresolved Refund Request Complaint Nos. ******** & ******** Dear Bajaj Allianz Customer Care, I am writing to express my extreme dissatisfaction with the way my previous complaint (Complaint No...

Sep 04, 2024 by Mohammed muzzakier

Related to refund (LIC) ^Closed

I've been surrender my lic policy number ********* last week. they debited ***** from my bank account on **th August . I want my money to refund back into my bank account as of I already surrender the lic policy. Kindly refund me. Even after su...

Sep 04, 2024 by Vrund shah

B0 m2g 8 9 0g g 8 g (0?2>/8 (02 6M/K0G8 *(@ 2?.?G!) ^Closed

.H(G *?*>/* (** *M/K*G* *(@ *?.?G! *G * *M/K*G* **> %G K ? &?(> ** *.**** K *A,* *:** K *>@*A* .G K *>*> >( ,M*G *> &?/> ?*G >*# >!<@ G *G *> * *@G *G **@ *H M* &>*?(G *G 'M> .>* * >!<@ K M*...

Jun 24, 2024 by Alok kr soni

Insurance fraud and scam by One Assist (One assist ) ^Closed

Hello, I bought a Godrej split AC from Sahu Agencies near bhootnath metro station, Lucknow. Along with that AC Sahu agencies sold me an additional three year warranty naming as Sahu care, my brand warranty got expired few days back and when I...

Jun 02, 2024 by ASHUTOSH GUPTA

Insurance policy not renewed after making payment (Policybazaar) ^Closed

I had an insurance policy with star insurance bought through policy bazaar. The policy was expiring by **-Mar-****. I made the payment to renew the policy on **-Feb-****. But policy bazaar did not issue the renewed policy. I enquired with c...

Feb 23, 2024 by Thirunarayanan

Refund not credited (Bajaj Finserve Ltd) ^Closed

.G*G &M*>*> &?(> **/**/**** K Samsung .K,>* liya /> %> ?*> ,@.> -@ **>/> /> %> * phone @ *MM*@( B >(G ** replace $K **> *@ *G?( *> *?+! -@ $ (*@ .?*> *H ...

Oct 02, 2023 by Surender Singh

Insurance company cheated me (Reliance General Insurance Company Limited) ^Closed

Our issue is that how a insurance company (Reliance General Insurance)on its own whims and fancies, can change the basic nature of the policy and incorporate such a heavy CO-PAY of **% without taking a written consent from the insured and that...

Sep 08, 2023 by Ratneshwer Prasad Sinha

Excess Premium Deduction (Policy Bazaar) ^Closed

There was a health policy (Star Health), which i had taken for my wife from policy bazar. *th June was the renewal date of it and i had requested to policy bazar to make some changes in it i.e. addition of New members *. Myself *. my daugther. ...

Sep 02, 2023 by Jitender

Discontinue of Bharti Axa elite advantage plan (Bharti AXA Life Insurance) ^Closed

Hi , I took a bharti axa life insurance policy in june **** ..online... .Mostly details and benefits given by agent were over the phone. Once i bought the policy the RM met me and explained the policy again ..there were * points which caught ...

Jul 26, 2023 by Sanjay Singh

False promises by the agent and fradulently opening schemes with stranger nominee with out our conse (Lic Of India) ^Closed

Sir, I am a resident of madhupur po+ps madhupur, district deoghar, jharkhand pin ******. In the year ****, an agent of LIC named Mr Das resident of madhupur deoghar, approached my illiterate parents and opened for them LIC. It was for ** years...

Mar 29, 2023 by Shiva Yadav

Continuous metal harassment by policy bazar policy cancelation money not refunded (Policy Bazaar) ^Closed

Dear sir / madam My name is subhasish Banerjee. I am an existing policy bazaar customer. My registered mobile number is **********, My ticket id - PB*********. I bought a policy through policy bazaar on **th feb ****.my policy was health o...

Mar 10, 2023 by Subhasish Banerjee

Insurance claim nahi dene ke sambandh me (Magma Hdi General Insurance Company Ltd ) ^Closed

niwedan purwak kahna hai ki meri gari jiska no BR**AL**** hai jo exident ho gaya jiska claim no c************* hai,claim hone ka bad bhi insurance company claim dene ko taiyar nahi hai,meri gari */**/****se hi work shop me khari hai lekin insu...

Jan 20, 2023 by Abhimanyu kumar singh

Vehicle insurance open for 3 months (United India Insurance Company Limited) ^Closed

I was in a car accident on **st Aug'** and opened a claim with United India Insurance company ltd through Hyundai service centre because of a Insurance policy that I have taken. I had to pay for the total repair since cashless was not ava...

Nov 13, 2022 by Braveen kumar

Sir navaskar humne reena devi k insurance karwaya thajinki death darbari me 2021 me hi gayi h aaj tk (LIC) ^Closed

LIC company me beema karwaya tha aaj date tk uske pese nahi mile h jinke nam beema tha unki death ho gayi h policy number ********* h...

Oct 16, 2022 by Ankit Singh

Sir navaskar humne reena devi k insurance karwaya thajinki death darbari me 2021 me hi gayi h aaj tk (LIC) ^Closed

LIC company me beema karwaya tha aaj date tk uske pese nahi mile h jinke nam beema tha unki death ho gayi h policy number ********* h...

Oct 16, 2022 by Ankit Singh