Are you unhappy

with the insurance company's
decision on your claims?

The Insurance Ombudsman offers an out-of-court dispute resolution service for issues related to both life and non-life insurance.

This type of dispute resolution is a simpler, quicker, and less formal alternative to going to court, and it is free of charge.

The aim of this alternative dispute resolution process is to facilitate an agreement between the insurance company and the consumer.

In short

You are a consumer (a natural person) who is in a contractual relationship with ...

You believe that the insurance company has violated your rights.

The insurance company involved in the dispute is a member of the Association.

Reaching an agreement between the parties involved in the dispute. This is the primary objective...

Issuing a reasoned opinion if...

Deferring the consumer's proposal if no...

A clear description of the violation of your rights.

A statement outlining what the consumer is seeking or requesting.

Copies of all relevant documents supporting your claim.

In writing

By email

Electronically

Orally
(recorded in the minutes)

If the proposal to initiate a dispute is incomplete...

If the Insurance Ombudsman lacks the authority to handle the case...

If the quantifiable value of the dispute does not exceed the minimum threshold...