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The Insurance Ombudsman and Consumer Court are two different forums that deal with consumer complaints in India. The Insurance Ombudsman is a specific forum for insurance complaints, whereas the Consumer Court can listen to every consumer complaint emanating from any consumer grievance ¹.

The Insurance Ombudsman scheme was created by the Indian Government to safeguard the rights and interests of policyholders against insurance companies. The ombudsman is empowered to listen to grievances against general insurance companies, life insurance companies, and standalone health insurance companies ¹.

On the other hand, the Consumer Court is a quasi-judicial body established under the Consumer Protection Act 1986 to shield every consumer in India. It is authorized to listen to complaints from every person who falls under the definition of a consumer ¹².

While both forums are designed to help consumers resolve their grievances, there are some differences between them. The proceedings before the Insurance Ombudsman are informal and consumer-friendly, and you do not need to hire a lawyer to present your case ¹. In contrast, the Consumer Court is a more formal forum where you may need to hire a lawyer to present your case ¹².

In summary, while both forums can help consumers resolve their grievances, the Insurance Ombudsman is a specific forum for insurance complaints, whereas the Consumer Court can listen to every consumer complaint emanating from any consumer grievance. The proceedings before the Insurance Ombudsman are informal and consumer-friendly, while the Consumer Court is a more formal forum where you may need to hire a lawyer to present your case.

Learn more:

1. desidime.com2. accc.gov.au3. moneycontrol.com