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Shall I complain to Ombudsman/IRDAI or issue a legal notice?
13-Feb-2026 (In Insurance Law)
My mother died in an unfortunate accident. She had a Health Insurance that offers accidental death coverage as well.
Upon submitting all the relevant documents (From PM to the ACP's report), the insurer is making demands for other irrelevant & even invalid documents.
Shall I complain to the Ombudsman, IRDAI etc.? Or shall I issue a legal notice through a lawyer?
I want to sue them for additional compensation due to the mental harassment I have suffered from.
Thanks.
(Kindly reply here only)
Issue a legal notice first to pressure the insurer. If they don't settle, approach the Insurance Ombudsman or Consumer Court for the claim amount and compensation for mental harassment as per the concerned provisions of law.
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Adv. Pankaj Bajaj
Pune | 700+ Answers
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Before issuing legal notice with lawyer, first you need to understand reason for required documents. get it clarified from insurer.
after submitting all required and relevent documents still if you find that there is rejection then you can approach ombudsman first and if not satisfied with ombudsman reply then file case in consumer forum. but please ensure everything is clear from your end.
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Adv. Arun Mahajan
Jalgaon | 5+ Answers
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Issue a legal notice first to demand claim settlement and compensation for harassment. If they don't comply, approach the Insurance Ombudsman or Consumer Court for deficiency in service as per the concerned provisions of law.
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Adv. Pankaj Bajaj
Mumbai | 1000+ Answers
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