At CareBharat Insurance, we value our customers and are committed to resolving grievances in a fair, transparent, and timely manner. If you have concerns regarding policy issuance, claim settlement, renewal, or service experience, our structured Grievance Redressal Mechanism ensures that your issue is addressed efficiently.
1. How to Register a Grievance? 📝
📌 Follow these steps to lodge a complaint:
✔ Step 1: Contact Customer Support (First Level Resolution)
• 📞 Call: +91 99955 30079
• � Email: support@carebharat.com
• 🌐 Online Form: Submit your grievance via our Customer Support Portal
• 🏢 Visit Our Office: Speak to a representative at any CareBharat branch
💡 Tip: Provide policy details, complaint description, and supporting documents for faster resolution.
✔ Step 2: Escalate to Grievance Officer (If Unresolved at Step 1) ⚖️
If your issue is not resolved within 7 working days, escalate the complaint to our Grievance Redressal Officer (GRO).
📌 Grievance Redressal Officer (GRO) Contact Details:
📞 Phone: [GRO Contact Number]
📧 Email: grievances@carebharat.com
🏢 Postal Address: CareBharat Insurance Brokers, Corporate Office, Style Plaza Complex, Vyttila, Ernakulam, Kerala – 692 019
💡 Tip: Mention your complaint reference number for a faster response.
✔ Step 3: Approach the Insurance Ombudsman (Final Escalation) 🏛️
If you are dissatisfied with the resolution provided by the Grievance Officer, you may approach the Insurance Ombudsman within 30 days of receiving our final response.
📌 Insurance Ombudsman Contact Details:
🌐 Website: IRDAI Insurance Ombudsman Portal
📞 Helpline: [IRDAI Customer Support Number]
📧 Email: ombudsman@cioins.co.in
💡 Tip: The Ombudsman can provide a faster, cost-free resolution for complaints under ₹30 Lakh.
2. Complaint Resolution Timelines ⏳
| Grievance Stage | Maximum Resolution Time |
|---|---|
| Initial Response from Customer Support | Within 24-48 hours |
| Final Resolution by Customer Support | Within 7 working days |
| Grievance Officer Resolution | Within 15 working days |
| Insurance Ombudsman Decision | Within 30-60 days |
💡 Tip: Always keep records of complaint reference numbers and email confirmations for future follow-ups.
3. Common Grievances & How We Address Them 🤝
✔ Delayed Claim Settlement? ✅ Our Solution: Dedicated claim manager assigned for quick processing.
✔ Incorrect Premium Deduction? ✅ Our Solution: Immediate review & refund processing.
✔ Policy Renewal Issues? ✅ Our Solution: Quick policy reinstatement options.
✔ Service Quality Complaints? ✅ Our Solution: Personalized assistance from senior support executives.
💡 Tip: Attach relevant documents for faster resolution of policy & claim disputes.
4. Customer Rights & Responsibilities ⚖️
📌 Your Rights:
✔ Fair & Transparent Handling
✔ Timely Updates on Complaint Status
✔ Right to Escalate Unresolved Issues
📌 Your Responsibilities:
✔ Provide Accurate Information
✔ Respond to Requests for Additional Documents
✔ Follow the Stepwise Resolution Process
💡 Tip: A well-documented complaint with complete details speeds up resolution.
5. Why Choose CareBharat for Grievance Handling? 🌟
✔ Dedicated Support Desk – 24/7 customer assistance
✔ Transparent Tracking System – Monitor grievance status online
✔ Fair & Efficient Redressal – Resolutions within 7-15 working days
✔ Regulatory Compliance – Following IRDAI guidelines
💡 Tip: Check our FAQ section for quick self-help solutions.
6. Contact Us for Grievance Support 📞
📞 Customer Support Helpline: +91 99955 30079
📧 Email: grievances@carebharat.com
🏢 Office Address: CareBharat Insurance Brokers, Corporate Office, Style Plaza Complex, Vyttila, Ernakulam, Kerala – 692 019
🌐 Website: CareBharat Insurance
💡 Tip: For urgent complaints, call us directly or visit the nearest branch for priority assistance.
✔ CareBharat Insurance provides a structured Grievance Redressal Mechanism for faster issue resolution.
✔ Multiple escalation levels ensure fair handling of claims, premium disputes & service complaints.
✔ Customers can escalate unresolved issues to the IRDAI Ombudsman for legal recourse.
✔ We prioritize customer satisfaction & aim for complaint resolution within 7-15 days.
👉 For full grievance details, visit our website or contact our support team. 🛡️📞
