Insurance Ombudsman · North India
Insurance Ombudsman Chandigarh: Office Address, Jurisdiction & Filing Guide (2026)
Statutory filing guide for policyholders in Punjab, Haryana (excluding NCR districts), Himachal Pradesh, UT of Chandigarh, Jammu & Kashmir, and Ladakh to challenge rejected insurance claims before the Ombudsman.
By the MediclaimSaathi team Updated 5 November 20267 min read
Quick answer
The Insurance Ombudsman Chandigarh covers Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat, Bahadurgarh), Himachal Pradesh, Chandigarh, J&K, and Ladakh. Located at Jeevan Deep Building, Sector 17-A, it resolves claims up to ₹50 Lakhs for zero fee after insurer GRO rejection or 30 days of silence, online via cioins.co.in.
Chandigarh Ombudsman Office Details & Verified Contacts
| Detail | Verified Official Information |
|---|---|
| Office Location | Jeevan Deep Building, Ground Floor, S.C.O. 20-27, Sector 17-A, Chandigarh – 160 017 |
| Official Emails | oio.chandigarh@cioins.co.in / bimalokpal.chandigarh@cioins.co.in |
| Landline Telephone | 0172-2706196 / 0172-2706468 |
| Working Hours | Monday to Friday: 9:30 AM – 5:30 PM |
| Official Portal | https://www.cioins.co.in |
| Filing Fee | ₹0 (Free public statutory redressal) |
| Maximum Relief Limit | ₹50 Lakhs |
Territorial Jurisdiction: Punjab, Haryana, HP, J&K, Ladakh, Chandigarh
The Chandigarh Ombudsman has jurisdiction across Punjab (all districts), Haryana (excluding Gurugram, Faridabad, Sonepat, and Bahadurgarh which belong to Delhi Ombudsman), Himachal Pradesh, UT of Chandigarh, UT of Jammu & Kashmir, and UT of Ladakh.
Statutory Preconditions (Rule 14)
- First lodge complaint with insurer GRO; rejection received or 30 days passed.
- Limitation: Within 1 year of rejection letter.
- No pending case in Consumer Court or civil court.
- Disputed claim up to ₹50 Lakhs.
How to File at Chandigarh Ombudsman
- 1Insurer GrievanceEmail insurer GRO with claim repudiation details and policy documents.
- 2Wait 30 DaysWait for formal reply or 30 days of inaction.
- 3Lodge Online on CIO PortalRegister at cioins.co.in selecting Chandigarh centre.
- 4Send Form VI-A DossierEmail Form VI-A, bills, and rejection letter to oio.chandigarh@cioins.co.in.
- 5Hearing & ResolutionParticipate in video hearing or in-person in Sector 17-A. Award issued within 3 months.
Award Enforcement
The Ombudsman award is binding on the insurer under Rule 17. The insurer must disburse the amount within 30 days of your acceptance.
Check your own letter, free
Upload a photo of your rejection letter. In about 90 seconds, see why it was rejected, how strong your case is and your next deadline.
Check my letter freeFrequently asked questions
I live in Ludhiana or Amritsar. Can I attend the hearing online?+
Yes, the Chandigarh Ombudsman conducts regular video hearings for policyholders across Punjab, HP, and J&K.
Does Chandigarh Ombudsman cover Gurugram/Faridabad?+
No. Gurugram, Faridabad, Sonepat, and Bahadurgarh fall under the Insurance Ombudsman Delhi office.
Can an insurance company refuse to follow the Ombudsman award?+
No. The award is legally binding on the insurance company.
What is the fee to file a complaint?+
Zero. No fees, stamps, or lawyer charges are needed.
Related guides
Sources
- IRDAI — Master Circular on Health Insurance Business (May 2024)
- IRDAI Bima Bharosa grievance portal
- Council for Insurance Ombudsmen
This guide is general information, not legal advice. Rules change; always check the current IRDAI circulars and your policy wording. MediclaimSaathi is a document-preparation platform, not a law firm, insurer or broker.