Fast, Transparent, Fair Resolution for Every Policyholder
Care Samadhan is a dedicated grievance redressal platform, where every policyholder’s concern is heard, understood, and resolved with care.
Facing Issues with Your Policy or Claim?
Claim Rejected
We help you understand the reason for rejection and review your case based on policy terms and submitted documents.
Claim Delayed
Track delays, identify bottlenecks, and get your claim reviewed for timely resolution.
Short-Settled Claim
If your claim amount seems incorrect, we’ll examine the settlement details and ensure it aligns with your policy coverage.
Policy Mis-sold
Raise concerns about incorrect information or unclear terms shared at the time of purchase.
Service Issue
Report issues related to renewals, documents, portal access, customer support, or communication.
Unclear Policy Terms
Seek clarity on exclusions, benefits, waiting periods, or policy conditions affecting your claim or service.
Why Care Samadhan?
Your Concerns, Our Priority.
Direct Access
Your complaint reaches Care Health's dedicated Grievance Redressal Team directly.
Transparent Process
Get real-time updates on your complaint status from registration to resolution.
Expert Support
Our trained Grievance Redressal Officers understand insurance complexities and work for fair resolutions.
Quick Response
Initial acknowledgment within 24 hours; resolution in 14 days.
Free Service
Absolutely no fees to register or resolve your complaint. It's your right as a policyholder.
How it works?
Simple 4-Step Grievance Resolution Process
Step 1: Register Your Complaint:
Fill out our simple online form with your policy details and concern. You will receive a unique complaint ID for tracking.
Step 2: Review: Our grievance resolution
experts review your complaint thoroughly and coordinate with the relevant teams to ensure a fair outcome.
Step 3: Further Review Within
Care Health Insurance
If you are not satisfied with the resolution provided, you may seek a further review by writing to the appropriate authority in the following order:
1. Manager – Customer Service
2. Head – Customer Service
Step 4: Independent Review via
Insurance Ombudsman
If your grievance remains unresolved after Steps 1–3, you may approach the Insurance Ombudsman for independent and impartial redressal, in accordance with IRDAI guidelines.
What to Expect: Resolution Timelines
Our Commitment:
We strive to resolve most complaints within 14 days. Complex cases may take longer, but we keep you informed at every stage.
As Per IRDAI Guidelines:
Service Type | Expected Timeline |
Complaint Acknowledgement | Within 24 hours |
Initial Response | Within 7 days |
Final Resolution | Within 14 days |
Approach Insurance Ombudsman | After 30 days if unresolved |
FAQ's
Is there any fee to file a complaint?
No. Care Samadhan is absolutely free. Filing and resolving complaints costs you nothing.
How long does it take to resolve a complaint?
No. Care Samadhan is absolutely free. Filing and resolving complaints costs you nothing.
What documents do I need?
Policy number, claim ID (if applicable), relevant correspondence, medical bills/documents (for claim issues), and a clear description of your concern.
Can I file a complaint if my policy is expired?
Yes, if the issue relates to a claim or service during the active policy period.
Can I track my complaint online?
Yes. Use your unique complaint ID to track real-time status on our portal.
What if my grievance is not resolved to my satisfaction?
If you are not satisfied with the resolution provided through Care Samadhan, or if your grievance is not resolved within the prescribed timelines (30 days), you may escalate the matter through IRDAI’s grievance redressal mechanism (Bima Bharosa).
Where applicable, you may also approach the Insurance Ombudsman in accordance with the eligibility criteria and applicable guidelines.
Is there any other platform where I can raise my grievance?
Yes. Policyholders may raise their grievance on IRDAI’s Bima Bharosa portal. However, it is advisable to first register the grievance with the insurer through Care Samadhan, as most concerns are resolved through the insurer’s internal grievance redressal mechanism.