The common grievance redressal process in all case of conflict between the Insured Person and the Insurance Company consists of 1st step as complaining in the respective insurance company portal and to wait till 15 days before registering it in IRDAI IGMS portal. Once registered with IRDAI IGMS, further waiting period of 15 days is required for resolution. If not solved, it needs to be escalated again. If not solved, approach the Insurance Ombudsman then if not satisfied with the decision, register your case at Consumer Court.

This is acceptable in all kind of cases, but not in case where the complainant is a patient.

*If Insurance is a "Product" and Patient is a "Plaintiff" then the speed of an Ambulance should be shown by the Law*

Do you expect the patient to survive throughout the process?

Secondly,

There is no common portal where all insured person of all insurance company could see their insurance history, payment history, claim history, portability options, portability history right from the date of 1st Insurance Policy ?

IRDAI has set up IGMS portal to solve grievances but if there is a common portal with all records then many insurance applications will be solved internally without becoming a grievance.

This could be solved by a robust portal which could link all, for example, EPOLICY.GOV.IN

This portal could further help in generating UIAN, which is UNIVERSAL INSURANCE ACCOUNT NUMBER