Generally whenever insurance claims whether it is life insurance claims or Non life insurance claims are rejected, policy holders directly approach a lawyer and file case at consumer court. What happens is, filling a case in the court is very costly affair because lawyer will charge you his fees as well as expenses for fighting the case and court cases take long processing time in India, so you pay the a higher cost with higher waiting period.

To avoid all the above hurdles Insurance Regulatory Development Authority (IRDA) which is the regulator for insurance sector in India has appointed a separate department which is called Insurance Ombudsman.