Insurance Ombudsman · Gujarat & UTs

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

Statutory guide for policyholders in Gujarat and the Union Territories of Daman, Diu, and Dadra & Nagar Haveli to overturn health insurance claim repudiations before the Insurance Ombudsman in Ahmedabad.

By the MediclaimSaathi team Updated 5 November 20267 min read

Quick answer

The Insurance Ombudsman Ahmedabad covers all 33 districts of Gujarat and the Union Territories of Dadra & Nagar Haveli and Daman & Diu. Located at Jeevan Prakash Building, Relief Road, complaints up to ₹50 Lakhs are heard free of cost after insurer GRO rejection or 30 days of silence, online at cioins.co.in or via email.

Ahmedabad Ombudsman Office Details & Verified Contacts

Detail	Verified Official Information
Office Location	Jeevan Prakash Building, 6th Floor, Tilak Marg, Relief Road, Ahmedabad – 380 001
Official Emails	oio.ahmedabad@cioins.co.in / bimalokpal.ahmedabad@cioins.co.in
Landline Telephone	079-27546150 / 079-27546139
Working Hours	Monday to Friday: 9:30 AM – 5:30 PM
Official Portal	https://www.cioins.co.in
Fee	₹0 (Completely free)
Claim Cap	₹50 Lakhs

Territorial Jurisdiction: Gujarat, Daman & Diu, Dadra & Nagar Haveli

The Ahmedabad Ombudsman bench has jurisdiction over all 33 districts of Gujarat (including Ahmedabad, Surat, Vadodara, Rajkot, Bhavnagar, Jamnagar, Gandhinagar, Kutch) and the UT of Dadra & Nagar Haveli and Daman & Diu.

Mandatory Pre-Conditions Under Rule 14

First file grievance with the insurance company GRO.
Rejection letter received or 30 days passed without reply.
Limitation: Within 1 year of rejection.
No pending case in Consumer Forum or court.
Claim value up to ₹50 Lakhs.

How to File a Complaint at Ahmedabad Office

1Submit Insurer GrievanceEmail insurer GRO with policy schedule and claim repudiation details.
2Wait 30 DaysAllow 30 days for response or obtain rejection letter.
3File Complaint OnlineVisit cioins.co.in, select Ahmedabad centre, and fill Form VI-A.
4Submit Medical RecordsEmail discharge summary, final bills, and insurer rejection letter to oio.ahmedabad@cioins.co.in.
5Hearing & Binding AwardAttend video or physical hearing. Award passed within 3 months.

Award Compliance by Insurer

Insurer must pay the awarded sum within 30 days of receiving policyholder acceptance, or pay bank rate + 2% penal interest.

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.

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Frequently asked questions

Can policyholders from Surat or Rajkot attend online?+

Yes, the Ahmedabad Ombudsman offers video conference hearings via Webex/Zoom.

Does the Ombudsman cover cashless rejection at network hospitals?+

Yes, if cashless was denied and your subsequent reimbursement claim was rejected or deducted.

What is the time limit to file?+

Exactly 1 year from the date of the insurer’s final rejection letter.

Can I file against private insurers like HDFC ERGO or Star Health?+

Yes, all IRDAI-licensed life, general, and standalone health insurance companies fall under the Ombudsman jurisdiction.

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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.