What to do if insurer pays less than invested amount?

If you have received less than what you paid for a non-unit linked insurance policy, review the policy terms for maturity or surrender clauses. If there's no valid justification, file a complaint with the Insurance Ombudsman or IRDAI. If unresolved, you can file a consumer complaint in the District Consumer Forum for deficiency in service and unfair trade practice. For further legal assistance contact us on our helpline number.