Section 14(3)(a) in The Insurance Ombudsman Rules, 2017
(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;