National Insurance company has the responsibility to put in place proper procedures and effective mechanism to address complaints and grievances of policyholders including mis-selling by different intermediaries and to ensure compliance with the statutory requirements.

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

The company's service strategy is to enable the customer to avail the services through multiple avenues. The avenues available to the customer are:

Call the toll free helpline number for any comments or feedback- 1800-200-7710

Or

To report Fraud you can send an email to Faf@nic.Co.in

Or

You may submit your complaint online.

Or

Visit any of the national insurance company Branch.

Or

Mail your complaint to:

Customer services unit
National Insurance Company ltd.

3, Middleton street, Prafulla Chandra Sen Sarani

Kolkata, West bengal, 700071

Telephone:22831705/, Fax:22831740

Important points

• The operating office/regional office would send a reply within 10 working days from the date of its receipt
• The head office would send a reply within 15 working days
• Complaint would be considered as closed if no response is received from the complainant within 8 weeks from receipt of our reply.

In Case of no revert or the insured is not satisfied with the reply, he/she has right to approach other forums such as irda or Insurance ombudsman, consumer court, court of law.

Idra grievance details:

Irda grievance call centre (igcc)Toll free No : 155255

Email Id: complaints@irda.gov.in

You can also register your complaint online at http://igms.irda.gov.in

Address for communication for complaints by fax/paper:

Consumer affairs department

Insurance Regulatory and Development Authority

9th floor, United india towers, Basheerbagh

Hyderabad - 500 029, Telangana

Fax no: 91- 40 - 6678 9768

In case the insured/ policy holder 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 policy holder 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 information of complainant.

The address of the insurance ombudsman may be obtained from the following link on the internet www.irdaindia.org.in.

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