By B S Makar, Advocate
Founder – B S Makar Advocates and Solicitors law firm
Punjab & Haryana High Court, Mohali
📞 +91 9878131111 | 🌐 www.makarlaws.com
Insurance fraud in India is a growing concern, especially with the rise in mis-selling, fake loan-linked policies, and unauthorized deductions. Whether you’re a policyholder, NRI, or a victim of corporate malpractice, knowing how to legally file an insurance fraud complaint is crucial to securing your rights and refund.
Here’s a step-by-step guide to help you take action the right way:
Step 1: Collect Evidence
Start by gathering all relevant documentation:
- Policy bond/certificate
- Premium receipts or transaction proofs
- Screenshots of WhatsApp/chat/email communication
- Agent details, voice recordings (if any)
- Fake loan promises or verification call transcripts
The more organized your documentation, the stronger your complaint.
Step 2: File an Online Complaint on IRDAI’s IGMS Portal
Visit: https://igms.irda.gov.in
Create an account and log your complaint under the name of the insurer. Mention clearly:
- Nature of fraud (e.g., mis-selling, no consent, fake verification call)
- Policy number and insurer name
- Relief sought: Cancellation + Refund
IRDAI forwards this to the concerned insurance company, which must respond within 15 days.
Step 3: Call the 1930 Helpline (If Linked to Cyber Fraud)
If the fraud involved forged links, e-KYC misuse, or UPI fraud, immediately:
- Dial 1930 (National Cyber Helpline)
- File a parallel report at https://www.cybercrime.gov.in
Request that the fraud account be frozen and tracked for recovery.
Step 4: File a Written Complaint with the Insurer
Email and post a formal written complaint to the insurance company:
- Mention all policy details and the nature of mis-selling or fraud
- Attach documents
- Ask for action under IRDAI (Protection of Policyholders’ Interests) Regulations, 2017
Mark a copy to complaints@irdai.gov.in and the insurer’s grievance redressal head.
Step 5: Send a Legal Notice
If no action is taken within 15-20 days:
- Send a legal notice through a qualified advocate
- Cite relevant laws: Consumer Protection Act, BNS 2023 Sections 316 (cheating), 336 (forgery), 342 (electronic record), etc.
- Demand refund and policy cancellation
Step 6: File Police FIR or Consumer Complaint
Still unresolved? You may now:
- File an FIR at the local police station or cyber crime unit
- OR file a complaint with the District Consumer Forum for refund and compensation
Attach all records, including the IRDAI complaint number and legal notice.
Bonus Tips:
- Do not trust any recovery agent asking for upfront money to get your refund.
- Do not delay. Act within 30 days of discovering the fraud.
- Consult a legal expert who handles insurance and financial fraud regularly.
Final Word
Insurance fraud is not just unethical – it’s a crime. Whether you were misled into buying a policy, or were promised a loan in exchange for premiums, you have full legal rights to cancel the policy and recover your money. we help victims fight back, legally and effectively.
Need Help Filing Your Complaint?
👨⚖️ B S Makar, Advocate
Punjab & Haryana High Court, Mohali
📞 +91 9878131111 | 🌐 www.makarlaws.com
We assist NRIs, retirees, and working professionals across India in recovering money from insurance frauds.
