Statutory Claim Deadline & Limitation Calculator
Never miss a legal deadline. Calculates the exact statutory cutoff dates for your Insurer Grievance (GRO 30 days), IRDAI Bima Bharosa escalation, and the strict 1-year Insurance Ombudsman limitation period.
Input Claim Details
Reimbursement claims should normally be submitted within 15–30 days of discharge.
Phase 1: Active GRO Window (19 days left to reply)
Statutory 3-Tier Resolution Roadmap
Grievance Redressal Officer (GRO) Window
Under IRDAI Master Circular 2024 (Clause 11.2), insurers must resolve complaints within 30 calendar days of receiving your grievance.
IRDAI Bima Bharosa Portal Token
If the insurer rejects your grievance or fails to reply within 30 days, you can lodge a formal regulatory token on IRDAI's central portal (bimabharosa.irdai.gov.in). The regulator monitors insurer compliance directly.
Insurance Ombudsman 1-Year Limitation
Under Rule 14(3)(b) of the Insurance Ombudsman Rules 2017, a complaint must be filed with the Insurance Ombudsman within one (1) year from the date of receipt of the rejection letter.
Statutory Rules Governing Rejection Deadlines
Can an insurer delay replying beyond 30 days?
No. Under Regulation 10(2) of IRDAI Policyholder Protection Regulations, an insurer cannot stall. If 30 calendar days pass without a response, the policyholder is legally entitled to proceed to the Insurance Ombudsman without waiting any longer.
What is Rule 14(3)(b) of Ombudsman Rules?
It specifies that no complaint to the Ombudsman shall lie unless the complaint is made within one year from the date of receipt of the order of the insurer rejecting the representation. The Ombudsman can award up to ₹50 Lakh plus penal interest.
Is there any fee to file with the Ombudsman?
None. Filing a complaint with the Insurance Ombudsman is 100% free. No court fees, no advocate fees, and no stamp duty are required. The process is informal and user-friendly.
Can I file if I only received partial settlement?
Yes. Unlawful deductions (such as room rent proportionate cuts or non-medical consumable deductions) are treated as partial repudiation. The 30-day GRO and 1-year Ombudsman rules apply identically.
Ready to initiate your 30-day grievance or Ombudsman appeal?
Our automated AI letter auditor checks your rejection letter, extracts the exact grounds of dispute, and generates your complete Grievance Letter, Bima Bharosa draft, and Ombudsman Form VI-A.