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Insurance Ombudsman:

An ombudsman is an official appointed to investigate complaints made by individuals against a company or organization, especially a public authority . The ombudsman serves as an advocate for patients, consumers, employees, and other individuals who may have grievances against the organization . The ombudsman investigates the complaints, reports on them, and helps settle them .

In the insurance industry, an ombudsman is responsible for protecting the interests of policyholders and settling grievances and complaints of policyholders outside the court system in a cost-effective, efficient, and impartial manner . The insurance ombudsman scheme was created by the government of India for individual policyholders to have their complaints settled out of the courts system in a cost-effective, efficient, and impartial way . The insurance ombudsman offices are presently widespread across 17 different locations in India .

The insurance ombudsman is responsible for performing several functions such as conciliation and award making . Any person who has a grievance against an insurer (insurance company) may himself or through their legal heirs, nominee or assignee make a complaint in writing to the Insurance Ombudsman within whose territorial jurisdiction the branch or office of the insurer is located . The insurance ombudsman is empowered to receive and lodge complaints as per the personal lines of the insurance from any person who has any grievance against any insurance company .

Please note that the role of an ombudsman may vary depending on the country and the organization.