1. Level 1 — Customer care
Raise a ticket via care@klarocare.in or call 1800-123-456 (toll-free, 9am–9pm IST). Most queries are resolved within 24 hours.
Response TAT: 2 working days
2. Level 2 — Grievance Officer
If you're not satisfied with Level 1, escalate to our designated Grievance Officer.
Ms. Priya Balasubramanian
Head of Claims & Grievance Redressal
Email: grievance@klarocare.in
Phone: +91-80-4567-8900
Klaro Care Technologies Pvt. Ltd., Embassy Tech Village, Bengaluru 560103
Response TAT: 10 working days per IRDAI guidelines.
3. Level 3 — IRDAI Bima Bharosa
If unresolved after 30 days, file a complaint with IRDAI via their Bima Bharosa portal. Toll-free: 155255 / 1800-4254-732.
4. Level 4 — IRDAI Ombudsman
For claim-related disputes, you can approach the Insurance Ombudsman free of cost. Find your jurisdictional office at ecoi.co.in. The Ombudsman's award is binding on the insurer up to ₹30 L per dispute.
5. What to expect
- Level 1 → 2 working days
- Level 2 → 10 working days
- Level 3 → 30 days from IRDAI
- Level 4 → 3-6 months depending on complexity