Reply – You have to follow below mentioned steps

• Brief us regarding your grievances through phone call, whatsaap message or through e-mail
• Transfer Rs 500/- towards registration charges by crediting our Account No 50100059649411 , IFSC HDFC0000668 with HDFC Bank
• Fill the Enrolment Form and share the scanned copies with us either by Whats App or e-mail
• Share the scanned images, photos of the relevant documents related with the case with us.

Reply - Initially client has to pay Enrolment Charges of Rs 500/-. The client will be charged only if the grievance is redressed that too 10% of the claim amount.

Reply – The redressal of the grievance is depending upon the gravity of the issue. It may vary between 15 days to 6 months after enrolment.

Reply - Initially we will try to redress the grievances through the Grievance Redressal Mechanism as adopted by the Company as per IRDA Guidelines. If the issue is not resolved then the matter will be referred to the Office of Insurance Ombudsman. If issue remains unsolved then we will take the legal recourse for the redressal of the grievances.

Reply – Once your case is enrolled at our end, you will get the e-mail communications at your registered e-mail id with us as well as SMS communications at your registered mobile number with us at every stage of the case.

Reply – We won’t charge you if you refer any query for consultation.

Reply – After enrollment anytime you may withdraw your case. However, Enrollment charges paid by you are not refundable.

Reply – Yes, Insurance Hityarthi is an online platform through which you can avail all the services and without doing physical transactions. However, if the matter is referred to the legal forum, then you have to comply with the requirements as suggested by our empaneled advocates.

Reply – You will get following benefits if you enroll with Insurance Hityarthi for redressal of your grievances.

• All the advisory services are available under single roof.
• Clients are relieved from running pillar to post to get their work done.
• Guidance from the experts from the Insurance Domain
• Profession Services from the best of the Advocates PAN India
• Client may enroll with us with a minimum charge of Rs 500/-
• No financial burden on the client as the fees are to be paid only after redressal of the grievances and received of the amount claimed from the Insurance Company.
• Ease of process as all the services are available online.
• Before enrolment with Insurance Hityarthi, the Client can avail free consultation services.
• Timely update of the progress through SMS and e-mails.
• No hidden costs & transparency in services.
• Bright chances of getting assured results.

Reply -The insurance company should deal with all complaint within 15 days. If that does not happen or if policyholder is unhappy with the solution, he can approach the Grievance Redressal Cell of the Consumer Affairs Department of IRDA.

Reply – An Insurance Ombudsman is a person appointed by Government of India under the Redressal of Public Grievances Rules, 1998.

• Any partial or total repudiation of claim by the Insurance Company.
• Any dispute regarding the premium paid or to be payable to the Company in terms of the policy. Any disputes related to the legal construction of the policies as far as it relates to the claim.
• Delay in settlement of claim
• Non issuance of the policy document after payment of the premium.

Reply - Consumer forums or consumer protection councils are organizations that help represent consumer interests. They guide consumers in the process of filing complaints in the court when they are exploited and also help in spreading consumer protection awareness.

Reply – The three types of consumer forums are 1) District Forum, State Commission, and the National Commission.