Verified: 23 July 2026 11:00 am IST
Industry: Insurance (General & Life)
Jurisdiction: India
Primary Regulator: Insurance Regulatory and Development Authority of India (IRDAI)
Important Safety Warning: Beware of the “Fake Support & Bonus Scam.” Scammers frequently buy ads on Google displaying fake Bajaj customer service helplines. This is a scam. Bajaj staff and the Insurance Ombudsman will never ask you to pay a “processing fee” to release maturity funds or approve a cashless health claim, nor will they ask for your OTP or password.
PATH A: Bajaj General Insurance (Health, Motor, Home, Travel)
Level 1: Customer Support (Initial Complaint)
How to complain: Register your complaint via the Bajaj General App or email the central desk at careforyou@bajajgeneral.com (senior citizens can use seniorcitizen@bajajgeneral.com). You can also call the toll-free helpline at 1800-209-5858 or message ‘Hi’ on WhatsApp at +91-7507245858. You must receive a unique “Complaint/Reference Number.”
Timeline: The company must acknowledge your complaint immediately and resolve Level 1 issues within 15 days.
Level 2: Internal Escalation (Grievance Redressal Officer)
Who to contact: If Level 1 fails or your claim is wrongfully rejected, you must escalate to the Grievance Redressal Officer (GRO). Email your formal grievance, clearly stating your original Level 1 Reference Number, to ggro@bajajgeneral.com.
Timeline: The GRO must provide a reasoned resolution within the overall 15-day corporate window.
Level 3: Final Internal Escalation (Head of Customer Service)
Who to contact: If the GRO fails to resolve the issue to your satisfaction, you must escalate to the final internal authority: the Head of Customer Service. Email your appeal directly to head.customerservice@bajajgeneral.com.
PATH B: Bajaj Life Insurance (Term, Endowment, ULIPs)
Level 1: Customer Support (Initial Complaint)
How to complain: Email the central life insurance service desk at customercare@bajajlife.com (senior citizens should use seniorcitizen.services@bajajlife.com). You can also call their official helpline at 020-67121212. Ensure you receive a “Complaint/Reference Number.”
Timeline: The company must resolve Level 1 issues within 15 days as per IRDAI guidelines.
Level 2: Internal Escalation (Grievance Redressal Officer)
Who to contact: If Level 1 fails, you must escalate to the Grievance Redressal Officer (GRO) for Life Insurance. Email your formal grievance with your Reference Number to gro@bajajlife.com. Written legal notices should be sent via physical post to: Grievance Redressal Officer, Bajaj Life Insurance Co. Ltd., Bajaj Insurance House, 5th Floor, Airport Road, Yerawada, Pune, Maharashtra - 411006.
Final Escalations (Applicable to BOTH General & Life)
Level 4: Administrative Mediation (IRDAI Bima Bharosa & Insurance Ombudsman)
Authority: If the respective GRO rejects your claim, or exactly 30 days have passed since your initial Level 1 complaint without a satisfactory resolution, you have exhausted internal remedies. You can escalate administrative delays to the IRDAI via the Bima Bharosa portal (bimabharosa.irdai.gov.in). If your dispute is regarding a claim rejection, premium disputes, or policy mis-selling (up to ₹50 Lakhs), you must approach the Insurance Ombudsman directly via the Council for Insurance Ombudsmen portal (cioins.co.in).
Level 5: Legal Action (Final Step)
Pre-Litigation: If the Ombudsman mediation fails, you can use the National Consumer Helpline (NCH) at 1915 for pre-litigation counseling.
Court/Arbitration: If all administrative avenues fail, you must prepare for formal litigation under the Consumer Protection Act, 2019. You can file a formal complaint with the appropriate District Consumer Disputes Redressal Commission entirely online using the government’s unified e-Jagriti portal (e-jagriti.gov.in).
Community Action: Is Bajaj General refusing to process a cashless health claim, or is Bajaj Life delaying a maturity payout? Reply below (do not share your passwords, policy documents, or full policy numbers), and our community will point you to the right resources!