Insurance Ombudsman Chandigarh: contact details and how to complain
For people in Chandigarh, Mohali, Panchkula, Punjab, Himachal and most of Haryana whose insurance claim was rejected, paid short or delayed.
Complaining to the Ombudsman is free. Its official website is cioins.co.in.
Chandigarh Ombudsman office
| Phone | 0172-2706468 |
|---|---|
| oio.chandigarh@cioins.co.in | |
| Address | Office of the Insurance Ombudsman, Sector 17, Chandigarh 160017. The official website currently lists two buildings: Jeevan Deep Building, SCO 20-27, Ground Floor, Sector 17-A, and Batra Building, SCO 101-103, 2nd Floor, Sector 17-D. Please call before visiting. |
| Covers | Punjab; Chandigarh; Haryana, except Gurugram, Faridabad, Sonepat and Bahadurgarh; Himachal Pradesh; Jammu & Kashmir; and Ladakh. Mohali and Panchkula are covered. |
Source: Council for Insurance Ombudsmen, office list, checked 23 October 2026. You can complain to the office covering where you live, or the one covering the insurer's office you dealt with.
Before you go to the Ombudsman
- Write to your insurer first. Use its grievance officer, by email or letter, and keep a copy. IRDAI gives insurers 14 days to resolve a complaint.
- You can go to the Ombudsman if the insurer rejects it, doesn't reply within one month, or replies and you're not satisfied.
- File within one year of the insurer's reply, or within one year after that one month runs out if it never replied.
- Don't go to court on the same matter at the same time. The Ombudsman can't hear a case that's already in a court or consumer commission.
How to file
- Online: cioins.co.in/Complaint/Online. Track it at cioins.co.in/Complaint/Track.
- By email or post to the Chandigarh office above, using the complaint form on the official website.
- Attach: the policy, the claim papers, the insurer's rejection or settlement letter, your complaint to the insurer and its reply, and the bills.
- Keep the paperwork ready. The office may ask for signed forms, such as its consent forms, after you file. Missing papers are a common reason complaints stall.
What to expect
- Free: there are no fees, and the rules don't provide for lawyers.
- Up to ₹50 lakh can be awarded, including expenses.
- Hearing: in person or by video.
- Decision: the rules say within 3 months of receiving everything needed. In practice it often takes longer.
- Payment: once you accept an award, the insurer must pay within 30 days, with interest.
Source: Insurance Ombudsman Rules, 2017. More answers: insurance claim questions.
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