In case the insured/ policyholder has any grievance regarding services, product or process of Canara HSBC Oriental Bank life insurance, they may approach the grievance redressal cell at the Below mentioned details.complaints that would require immediate reporting to the compliance are as follows:

1. Complaints pertaining to the sales conduct of agents, brokers and other sales intermediaries such as:-

• Mis-selling
• Mis-representation
• Rebating
• Misappropriation of funds
• Fraud
• Forgery
• Lack of service
• Theft
• Commission schemes/ sharing
• Fictitious policies

1. Employee fraud
2. Vendor fraud
3. Administration, control, co-ordination and reporting of customer complaints received through regulatory agencies.
4. Allegations of financial irregularities by any person who has a responsibility within the company and that involves money, credit or any other property of the company or its client.
5. Any complaint where there is a stated or implied threat of litigation
6. Any other matter as may be defined by compliance from time to time.

Step 1 -

In case the customer needs to register a complaint please contact on the below details:-

Canara HSBC Oriental Bank of Commerce - Life Insurance company

2^Nd floor, Orchid business park,

Sector - 48, Sohna road, Gurgaon - 122018

Call: 1800-103-0003/ 1800-180-0003 (mtnl/bsnl)

SMS: 97790 30003

Email id: customerservice@canarahsbclife.in

Customer can also contact the nearest Canara hsbc oriental bank life insurance branch for further information.

Call centre timings:

Monday to Friday - 8am to 8pm

& Saturday - 9am to 6pm

Customer can also register their complaints at - http://www.Canarahsbclife.com

Step 2 -

Complaint redressal unit:

Canara HSBC Oriental Bank of Commerce Life Insurance co. Ltd.

2^Nd floor, Orchid business park (near subhash chowk),

Sector - 48, Sohna road, Gurgaon - 122018, haryana

Toll free: 1800-103-0003/ 1800-180-0003 (bsnl/mtnl)

Email id: Cru@canarahsbclife.in

The insurance company shall respond to the policyholder within 15 days from the date of receiving the complaint. Kindly note that in case the insurer does not receive any revert from the policyholders, within eight weeks from the date of receipt of the company's response, then Thecomplaint case will be treated as closed.

Step 3 -

In case the insured/ policyholder is not satisfied with the decision of the above office, or have not received any response within 15days, then they may contact the following official for resolution:

The grievance redressal officer:

Canara HSBC Oriental Bank of Commerce Life Insurance co. Ltd.

2^Nd floor, Orchid business park (near subhash chowk),

Sector - 48, Sohna road, Gurgaon - 122018, haryana

Toll free: 1800-103-0003/ 1800-180-0003 (bsnl/mtnl)

Email id: Gro@canarahsbclife.in

Step 4 -

In case the insured/ policyholder is not satisfied with decision/ resolution of the company, they may approach the insurance ombudsman of their state or an appropriate judicial/ quasi- judicial authority having jurisdiction over the matter for redressal of your grievance.

Details related to insurance ombudsman have been provided in the policy documents.

The insured or policyholder may approach the insurance ombudsman if the grievance pertains to:

• Insurance claims that has been rejected or dispute of a claim on legal construction of the policy
• Delay in settlement of claim
• Dispute with regard to premium
• Non-receipt of your insurance documents

The complaint should be made in writing and duly signed by the complainant or by his legal heirs with full details of the complaint and the contact details of the complainant.

As per provision 13(3) of the redressal of public grievances rules 1998, the complaint to the ombudsman can be made:

• Only if the grievance has been rejected by the grievance redressal machinery of the insurer
• Within a period of one year from the date of rejection of the insurer.

If it is not simultaneously under any litigation.