Insurance Ombudsman · Kerala & Lakshadweep

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

Statutory filing guide for policyholders in Kerala, the Union Territory of Lakshadweep, and Mahe to overturn rejected health insurance claims before the Insurance Ombudsman in Kochi.

By the MediclaimSaathi team Updated 5 November 20267 min read

Kochi Ombudsman Office Details & Verified Contacts

Territorial Jurisdiction: Kerala, Lakshadweep & Mahe

The Kochi Ombudsman bench covers all 14 districts of Kerala (including Thiruvananthapuram, Ernakulam, Kozhikode, Thrissur, Kollam, Kottayam, Malappuram, Palakkad, Kannur), the Union Territory of Lakshadweep, and Mahe (part of UT of Puducherry).

Statutory Prerequisites (Rule 14)

• Grievance sent to insurer GRO first; rejection received or 30 days elapsed.
• Must be filed within 1 year of the insurer’s final decision.
• Not pending before any Consumer Forum or civil court.
• Disputed claim up to ₹50 Lakhs.

Filing Procedure at Kochi Office

1. 1Insurer GRO GrievanceEmail your insurer’s GRO with policy schedule, discharge summary, and rejection letter.
2. 2Wait 30 DaysWait for formal reply or 30 days.
3. 3Submit Complaint OnlineRegister at cioins.co.in or fill Form VI-A.
4. 4Submit DocumentsEmail Form VI-A and hospital records to oio.ernakulam@cioins.co.in.
5. 5Hearing & ResolutionParticipate in video hearing or in-person session on M.G. Road. Award passed within 3 months.

Award Enforcement

The award is binding on the insurer. Under Rule 17(6), payment must be made within 30 days of receiving your acceptance letter.

Frequently asked questions