IGMS Complaint Filing: The Step-by-Step 2026 Guide
File only after the GRO route to avoid bounce-back; attach every document as evidence; write the grievance as a dated timeline; check status weekly with the reference number.
What happens next
The insurer is notified and must respond within 15 days. IRDAI reviews the response, and inadequate replies can be escalated further, including to the Insurance Ombudsman.
Prepare before you file
Policy number, insurer name, claim number, and a clear chronology. Attach the policy copy, rejection letter, correspondence, medical records, and payment receipts - vague complaints are slower.
Experts pre-fill the form correctly, attach the right evidence, and track it through to resolution. See the complete claim recovery guide and IGMS filing assistance for free guidance.