Question
What is the role of the Insurance Ombudsman in India?
Solution
The Insurance Ombudsman is an independent body established by the Government of India to investigate and settle disputes between policyholders and insurance companies. The Insurance Ombudsman is appointed by the IRDAI and operates under the provisions of the Insurance Ombudsman Rules, 2017. The Insurance Ombudsman has the power to award compensation to the policyholder and direct the insurance company to take appropriate action to resolve the dispute. The Insurance Ombudsman can handle disputes relating to claims, premiums, policy servicing, misrepresentation, and other related issues. Hence, option A is correct.
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