Religare Health Insurance has the responsibility to put in place proper procedures &effective mechanism to address complaints &grievances including mis-selling by different intermediaries.

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:

Step 1

Contact details:

Toll free number: 1860-500-4488 / 1800-200-4488 or

Email id: Customerfirst@religarehealthinsurance.com or

Fax: 022-42313777 or

You can also mail your query, complaint to:

Religare health insurance company limited

Gys global, Plot no. A3, a4, a5,
Sector - 125, Noida,
U.P. - 201301 or

Visit any of the Religare health insurance branch.

Step 2

If the resolution does not meet your expectation then you can submit your complaint online to the manager customer service. The link is

http://www.Religarehealthinsurance.com/grievance-step2.Php

Step 3

If after having followed step 1, 2 and 3 your issue remains unresolved, you may approach the insurance Ombudsman for redressal.

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 athttp://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/ 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 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