Customers may represent the case to the Ombudsman for Redressal of their grievance post 30 days.
The complaint should be made in writing, duly signed by the complainant or by his legal heirs with full detail of the complaint and the contact information of the complainant. As per provision 13(3) of the Redressal of Public Grievances Rules 1998, the complaint to the Ombudsman can be made within a period of one year from the date of rejection by the insurer, if it is not simultaneously under any litigation.
Insurance Ombudsman