Insurance Ombudsman · North East States

Insurance Ombudsman Guwahati: Office Address, Jurisdiction & Filing Guide (2026)

Statutory filing guide for policyholders in Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland, and Tripura to dispute unfair health insurance claim rejections before the Insurance Ombudsman in Guwahati.

By the MediclaimSaathi team Updated 5 November 20267 min read

Quick answer

The Insurance Ombudsman Guwahati has jurisdiction across all 7 North Eastern states (Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland, Tripura). Located at Jeevan Nivesh Building, Panbazar, complaints up to ₹50 Lakhs can be filed for free after insurer GRO rejection or 30 days of silence, online at cioins.co.in or via email.

Guwahati Ombudsman Office Details & Verified Contacts

Detail	Verified Official Information
Office Location	Jeevan Nivesh Building, 5th Floor, Nr. Panbazar Overbridge, S.S. Road, Guwahati – 781 001
Official Emails	oio.guwahati@cioins.co.in / bimalokpal.guwahati@cioins.co.in
Landline Telephone	0361-2632204 / 0361-2602205
Working Hours	Monday to Friday: 9:30 AM – 5:30 PM
Official Portal	https://www.cioins.co.in
Filing Fee	₹0 (Completely free)
Maximum Claim Cap	₹50 Lakhs

Territorial Jurisdiction: The 7 North Eastern States

The Guwahati Ombudsman covers Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland, and Tripura. Policyholders across Guwahati, Shillong, Imphal, Aizawl, Itanagar, Kohima, and Agartala fall under this jurisdiction.

Statutory Preconditions (Rule 14)

First lodge complaint with insurer GRO; rejection received or 30 days elapsed.
Filed within 1 year from the date of the insurer’s rejection letter.
Not pending before any Consumer Commission or court.
Disputed claim amount up to ₹50 Lakhs.

How to File at Guwahati Ombudsman

1Grievance to InsurerSend written complaint to insurer GRO with claim details.
2Wait 30 DaysWait for formal reply or 30 days of inaction.
3Lodge on CIO PortalVisit cioins.co.in and file complaint choosing Guwahati office.
4Email DocumentationSend Form VI-A, medical records, and rejection letter to oio.guwahati@cioins.co.in.
5Hearing & AwardParticipate in hearing (online or in Guwahati). Award delivered within 3 months.

Award Compliance

The award is binding on the insurer and must be fulfilled within 30 days of receiving your acceptance, subject to bank rate + 2% penal interest for default.

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.

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Frequently asked questions

Can residents of Shillong, Imphal, or Agartala attend online?+

Yes, the Guwahati Ombudsman routinely conducts virtual hearings via video conferencing for policyholders across all NE states.

Is there any filing fee?+

No. Filing with the Insurance Ombudsman is 100% free.

Can an advocate represent me?+

No. Rule 14 bars advocates. You or a family member can present your case in simple English or Hindi.

What if the insurer ignored my email?+

Once 30 days pass from your email to the GRO, you have the statutory right to file before the Ombudsman.

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Sources

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.