Section 14(3) in The Insurance Ombudsman Rules, 2017
(3)No complaint to the Insurance Ombudsman shall lie unless-(a)the complainant makes a written representation to the insurer named in the complaint and-(i)either the insurer had rejected the complaint; or(ii)the complainant had not received any reply within a period of one month after the insurer received his representation; or(iii)the complainant is not satisfied with the reply given to him by the insurer;(b)The complaint is made within one year-(i)after the order of the insurer rejecting the representation is received; or(ii)after receipt of decision of the insurer which is not to the satisfaction of the complainant;(iii)after expiry of a period of one month from the date of sending the written representation to the insurer if the insurer named fails to furnish reply to the complainant .
