Insurance Ombudsman · West Bengal & East
Insurance Ombudsman Kolkata: Office Address, Jurisdiction & Filing Guide (2026)
Complete guide for policyholders in West Bengal, Sikkim, and Andaman & Nicobar Islands to challenge unfair medical claim rejections before the Insurance Ombudsman in Kolkata.
By the MediclaimSaathi team Updated 5 November 20267 min read
Quick answer
The Insurance Ombudsman Kolkata has jurisdiction over West Bengal, Sikkim, and the Union Territory of Andaman and Nicobar Islands. Located at Hindustan Bldg. Annexe, C.R. Avenue, complaints up to ₹50 Lakhs can be filed for free after insurer GRO rejection or 30 days of inaction via cioins.co.in or email.
Kolkata Ombudsman Address, Email & Telephone Contacts
| Detail | Verified Official Information |
|---|---|
| Office Location | Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, Kolkata – 700 072 |
| Official Emails | oio.kolkata@cioins.co.in / bimalokpal.kolkata@cioins.co.in |
| Landline Telephone | 033-22124339 / 033-22124340 |
| Working Hours | Monday to Friday: 9:30 AM – 5:30 PM |
| Official Portal | https://www.cioins.co.in |
| Fee | Zero (₹0) |
| Ceiling | ₹50 Lakhs |
Territorial Jurisdiction: West Bengal, Sikkim, A&N Islands
The Kolkata Ombudsman covers all 23 districts of West Bengal (including Kolkata, Howrah, North & South 24 Parganas, Hooghly, Paschim & Purba Medinipur, Darjeeling, Siliguri, Jalpaiguri), the entire State of Sikkim, and the Union Territory of Andaman & Nicobar Islands.
Statutory Prerequisites Before Filing
- Complaint sent to insurer GRO first; 30 days elapsed or written rejection received.
- Must be filed within 1 year from the rejection letter date.
- No case pending in Consumer Forum or civil court.
- Claim dispute amount within ₹50 Lakhs.
Step-by-Step Filing Procedure
- 1Insurer EscalationLodge written grievance with insurer GRO; keep delivery proof.
- 2Wait 30 DaysAllow 30 days for statutory insurer response.
- 3Submit ComplaintApply online at cioins.co.in or email Form VI-A with all medical and rejection records to oio.kolkata@cioins.co.in.
- 4Hearing & ResolutionParticipate in the conciliation or video conference hearing.
- 5Award ComplianceBinding award passed within 3 months; insurer must disburse within 30 days.
Award Compliance & Penalties
Under Rule 17(6), the insurer must implement the award within 30 days of receiving your acceptance letter, failing which penal interest at bank rate + 2% is mandatory.
Check your own letter, free
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Check my letter freeFrequently asked questions
Can residents of Siliguri, Darjeeling or Sikkim file in Kolkata?+
Yes. The Kolkata Ombudsman covers all of West Bengal and Sikkim, with online video hearings available.
Can Port Blair / Andaman residents file without travelling to Kolkata?+
Yes. You can file online via cioins.co.in and attend the hearing via video conference.
Is there any cost to file a complaint in Kolkata?+
No, the entire procedure is free under the Insurance Ombudsman Rules, 2017.
What if the insurer claims non-disclosure of diabetes/hypertension?+
Under IRDAI’s 2024 Master Circular and 60-month moratorium rule, the Ombudsman scrutinizes whether the condition was pre-existing, whether 60 months have passed, and whether a direct medical nexus exists.
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.