Insurance Ombudsman · Mumbai & MMR

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

Complete filing guide for policyholders in the Mumbai Metropolitan Region (MMR) and the State of Goa to overturn rejected or short-paid insurance claims before the Insurance Ombudsman in Santacruz West.

By the MediclaimSaathi team Updated 5 November 20267 min read

Quick answer

The Insurance Ombudsman Mumbai covers Mumbai Metropolitan Region (MMR) and Goa. Complaints can be filed for claims up to ₹50 Lakhs at zero cost after receiving a rejection letter from your insurer’s GRO or after 30 days of unanswered grievance. The office is located at Jeevan Seva Annexe, Santacruz (W), and online filings are processed via cioins.co.in.

Mumbai Ombudsman Office Address, Email & Contact Details

The Mumbai Insurance Ombudsman office handles one of India’s largest volumes of health and mediclaim disputes:

Detail	Verified Official Information
Office Location	3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (West), Mumbai – 400 054
Official Emails	oio.mumbai@cioins.co.in / bimalokpal.mumbai@cioins.co.in
Landline Telephone	022-26106552 / 022-26106960
Working Hours	Monday to Friday: 9:30 AM – 5:30 PM
Official Portal	https://www.cioins.co.in
Filing Fee	₹0 (Free public statutory redressal)
Jurisdiction Ceiling	₹50 Lakhs per insurance claim dispute

Territorial Jurisdiction: Mumbai & MMR

The Mumbai Ombudsman covers the Mumbai City and Mumbai Suburban districts, specified MMR regions, and the State of Goa. Note: Other Maharashtra districts (including Pune, Thane, Navi Mumbai, Nashik, Kolhapur, and Nagpur) fall under the Pune Ombudsman jurisdiction.

Mumbai City & Mumbai Suburban districts (Colaba to Dahisar, CST to Mulund).
Specified Mumbai Metropolitan Region areas under Mumbai jurisdiction.
Entire State of Goa (North Goa and South Goa districts).

Statutory Preconditions Under Rule 14(3)

Written complaint to Insurer GRO first, followed by written rejection or 30 days of inaction.
Limitation: Must be filed within 1 year of the insurer’s final decision.
Not pending before any Consumer Forum or Civil Court.
Total dispute claim amount must be ₹50 Lakhs or less.

How to File a Complaint at Mumbai Ombudsman

1Lodge Insurer GRO GrievanceSend email to insurer GRO detailing wrongful claim deductions (e.g., room rent, ICU caps, or PED non-disclosure).
2Wait 30 DaysUnder IRDAI rules, the insurer has 30 days to resolve or respond.
3Register Online on CIO PortalLog on to cioins.co.in, choose Mumbai centre, and complete the complaint form.
4Submit Form VI-A DossierEmail Form VI-A with medical records, rejection letter, and policy schedule to oio.mumbai@cioins.co.in or courier to Santacruz West.
5Attend HearingAttend virtual video hearing or in-person session at Santacruz (W). Awards are binding on the insurer.

Award Enforcement & 30-Day Insurer Deadline

Under Rule 17(6), the insurer must implement the award within 30 days of receiving the complainant’s letter of acceptance. Delayed compliance incurs 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 Navi Mumbai or Thane residents file in Mumbai?+

Residents of Thane and Navi Mumbai typically fall under the Pune Ombudsman office jurisdiction. If the insurer branch is in Mumbai, you may confirm filing convenience with the registry.

Can I appear via video conference for Mumbai hearings?+

Yes, video hearings via Webex/Zoom are routinely scheduled by the Mumbai Ombudsman.

Is there any fee for filing in Mumbai?+

Zero. The process is entirely free of charge.

Does the Ombudsman cover cashless claim denials?+

Yes, if you paid out-of-pocket and your subsequent reimbursement claim was rejected or short-paid by the insurer.

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

Short-paid claim · Room rent

Room rent proportionate deduction: when it’s wrong and how to get the money back

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.