Insurance Ombudsman · Bihar & Jharkhand

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

Statutory filing guide for policyholders in Bihar and Jharkhand to dispute unfair health insurance claim rejections, deduction cuts, and policy cancellation before the Insurance Ombudsman in Patna.

By the MediclaimSaathi team Updated 5 November 20267 min read

Quick answer

The Insurance Ombudsman Patna has jurisdiction over Bihar and Jharkhand. Located at Kalpana Arcade Building, Bahadurpur, 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.

Patna Ombudsman Office Details & Verified Contacts

Detail	Verified Official Information
Office Location	1st Floor, Kalpana Arcade Building, Bazar Samiti Road, Bahadurpur, Patna – 800 006 (Also North Wing, 2nd Floor, Lalit Bhawan, Bailey Road)
Official Emails	oio.patna@cioins.co.in / bimalokpal.patna@cioins.co.in
Landline Telephone	0612-2547068 / 0612-2680952
Working Hours	Monday to Friday: 9:30 AM – 5:30 PM
Official Portal	https://www.cioins.co.in
Filing Fee	₹0 (Completely free)
Claim Limit	₹50 Lakhs

Territorial Jurisdiction: Bihar & Jharkhand

The Patna Ombudsman covers all 38 districts of Bihar (including Patna, Gaya, Muzaffarpur, Bhagalpur, Darbhanga, Purnia) and all 24 districts of Jharkhand (including Ranchi, Jamshedpur, Dhanbad, Bokaro, Deoghar).

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 Patna 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 Patna office.
4Email DocumentationSend Form VI-A, medical records, and rejection letter to oio.patna@cioins.co.in.
5Hearing & AwardParticipate in hearing (online or in Patna). 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.

Check my letter free

Frequently asked questions

Can residents of Ranchi or Jamshedpur attend online?+

Yes, the Patna Ombudsman routinely conducts virtual hearings via video conferencing for Jharkhand residents.

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 Hindi or English.

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.

Related guides

Escalation · Insurance Ombudsman

How to file an Insurance Ombudsman complaint for a health claim (free)

Complete guide

Health insurance claim rejected? Here’s exactly what to do

Rejected · Pre-existing disease

Claim rejected for a pre-existing disease or non-disclosure? Know your rights

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.