(1)The Ombudsman shall receive and consider complaints or disputes relating to-(a)delay in settlement of claims, beyond the time specified in the regulations, framed under the Insurance Regulatory and Development Authority of India Act, 1999;(b)any partial or total repudiation of claims by the life insurer, General insurer or the health insurer ;(c)disputes over premium paid or payable in terms of insurance policy;(d)misrepresentation of policy terms and conditions at any time in the policy document or policy contract;(e)legal construction of insurance policies in so far as the dispute relates to claim;(f)policy servicing related grievances against insurers and their agents and intermediaries;(g)issuance of life insurance policy, general insurance policy including health insurance policy which is not in conformity with the proposal form submitted by the proposer;(h)non-issuance of insurance policy after receipt of premium in life insurance and general insurance including health insurance; and(i)any other matter resulting from the violation of provisions of the Insurance Act, 1938 or the regulations, circulars, guidelines or instructions issued by the IRDAI from time to time or the terms and conditions of the policy contract, in so far as they relate to issues mentioned at clauses (a) to (f).(2)The Ombudsman shall act as counsellor and mediator relating to matters specified in sub-rule (1) provided there is written consent of the parties to the dispute.(3)The Ombudsman shall be precluded from handling any matter if he is an interested party or having conflict of interest.(4)The Central Government or as the case may be, the IRDAI may, at any time refer any complaint or dispute relating to insurance matters specified in sub-rule (1), to the Insurance Ombudsman and such complaint or dispute shall be entertained by the Insurance Ombudsman and be dealt with as if it is a complaint made under rule 14.
