Ombudsman in India

History
Ombudsman in India where appointed under the rule known as Redressal of Public Grievances Rules framed by Central Government of India.

Nature
Ombudsman are quasi-judicial authorities. It is a mediator to resolve dispute and not a judicial authority. It does not make judgments for others to accept them. It has no right to summon witnesses. It makes decisions on the basis of the documents submitted to it. Personal submissions are also accepted by both the parties. There are no lawyers to argue the cases.

Work
The main aim to establish Ombudsman was to resolve complaints in respect of dispute between policyholders and insurers in effective, efficient and speedy manner.

The Ombudsman deals mainly in the following type of conditions

Dispute regarding non-issue of any insurance papers to the policyholder after receipt of premium
Dispute regarding premium paid or payable
Dispute regarding partial or total repudiation of claim by the insurer
Dispute regarding delay in settlement of claim
Dispute regarding legal construction of the policy so far as such dispute is related to claim

Expectation
Ombudsman are expected to make recommendations within one month from the date of receipt of complaints

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