Sources

Last updated 4 November 2026

We read these directly. When a rule changes, we update the letters and this page. If you spot something out of date, please tell us.

Primary documents

• Insurance Ombudsman Rules, 2017, as amended to 9 November 2023, Council for Insurance Ombudsmen.
• IRDAI Master Circular on Health Insurance Business, Ref IRDAI/HLT/CIR/PRO/84/5/2024, 29 May 2024. Signed copy hosted by a third party. The original is on irdai.gov.in.
• Council for Insurance Ombudsmen, including the office list and online complaint form.
• Arogya Sanjeevani policy wording (one insurer's copy), for the sample wording on delay and day care. Your own policy is what counts.

Reports we rely on for figures and procedure

• Department of Financial Services statement of 14 August 2026, reported by Upstox: the 14-day resolution rule and IRDAI contact details.
• Ombudsmen disposed of 41,055 complaints in FY26, nearly 79% decided for policyholders, IRDAI figures reported by Angel One.
• 11% of health claims rejected as of March 2024, IRDAI annual report, reported by Business Standard.
• United India's notice of waiting periods reduced from 48 to 36 months.
• Draft Insurance Ombudsman (Amendment) Rules, 2025, not notified as far as we can find at the date above.