Insurance Ombudsman · Kerala & Lakshadweep
Insurance Ombudsman Kochi: Office Address, Jurisdiction & Filing Guide (2026)
Statutory filing guide for policyholders in Kerala, the Union Territory of Lakshadweep, and Mahe to overturn rejected health insurance claims before the Insurance Ombudsman in Kochi.
By the MediclaimSaathi team Updated 5 November 20267 min read
Quick answer
The Insurance Ombudsman Kochi (Ernakulam) covers Kerala, Lakshadweep, and Mahe (UT of Puducherry). Located at Jeevan Prakash, M.G. 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.
Kochi Ombudsman Office Details & Verified Contacts
| Detail | Verified Official Information |
|---|---|
| Office Location | 10th Floor, Jeevan Prakash, LIC Building, Opp. Maharaja's College Ground, M.G. Road, Ernakulam, Kochi – 682 011 |
| Official Emails | oio.ernakulam@cioins.co.in / bimalokpal.ernakulam@cioins.co.in |
| Landline Telephone | 0484-2358759 / 0484-2359338 |
| Working Hours | Monday to Friday: 9:30 AM – 5:30 PM |
| Official Portal | https://www.cioins.co.in |
| Statutory Fee | ₹0 (Completely free public ombudsman mechanism) |
| Maximum Relief Limit | ₹50 Lakhs |
Territorial Jurisdiction: Kerala, Lakshadweep & Mahe
The Kochi Ombudsman bench covers all 14 districts of Kerala (including Thiruvananthapuram, Ernakulam, Kozhikode, Thrissur, Kollam, Kottayam, Malappuram, Palakkad, Kannur), the Union Territory of Lakshadweep, and Mahe (part of UT of Puducherry).
Statutory Prerequisites (Rule 14)
- Grievance sent to insurer GRO first; rejection received or 30 days elapsed.
- Must be filed within 1 year of the insurer’s final decision.
- Not pending before any Consumer Forum or civil court.
- Disputed claim up to ₹50 Lakhs.
Filing Procedure at Kochi Office
- 1Insurer GRO GrievanceEmail your insurer’s GRO with policy schedule, discharge summary, and rejection letter.
- 2Wait 30 DaysWait for formal reply or 30 days.
- 3Submit Complaint OnlineRegister at cioins.co.in or fill Form VI-A.
- 4Submit DocumentsEmail Form VI-A and hospital records to oio.ernakulam@cioins.co.in.
- 5Hearing & ResolutionParticipate in video hearing or in-person session on M.G. Road. Award passed within 3 months.
Award Enforcement
The award is binding on the insurer. Under Rule 17(6), payment must be made within 30 days of receiving your acceptance letter.
Check your own letter, free
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Check my letter freeFrequently asked questions
Can residents of Thiruvananthapuram or Kozhikode attend virtually?+
Yes, video hearings are routinely conducted by the Kochi Ombudsman.
Does Kochi Ombudsman cover Star Health and Care Health?+
Yes, all private and public health insurers in India fall under its purview.
What is the fee to file?+
Zero fees. The process is completely free of charge.
Can a complaint be filed in Malayalam or English?+
Yes, complaints and hearings are conducted in English or Malayalam.
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.