How to File a Complaint Against Axis Max Life Insurance: A Step-by-Step Guide

When dealing with insurance policies, customers expect smooth service and hassle-free claim processing. However, if you face issues with Axis Max Life Insurance, such as policy discrepancies, claim delays, mis-sold policies, or poor customer support, you have the right to file a complaint.

In this blog, we’ll guide you through the step-by-step process to raise and escalate your complaint effectively.

1. Contact Customer Support First

Before escalating, it’s always best to reach out to customer service for a resolution. Here’s how:

Max Life Insurance Customer Care

• Phone: 1860 120 5577 (Monday–Saturday, 9:00 AM–6:00 PM)

• Email: service.helpdesk@maxlifeinsurance.com

• Website: Max Life Customer Service

• Chat Support: Available on their official website

Axis Bank Customer Care (if purchased through Axis Bank)

• Phone: 1860 419 5555 / 1860 500 5555

• Website: Axis Bank Support

2. File an Official Complaint with Max Life

If your issue is unresolved through customer care, you can raise a formal complaint via:

• Online Grievance Redressal Form: Submit a Complaint

• Email: grievance.officer@maxlifeinsurance.com

• Write to Their Office:

Max Life Insurance Company Limited

11th Floor, DLF Square Building, Jacaranda Marg, DLF City Phase II, Gurgaon – 122002, Haryana, India

🔹 Processing Time: You should receive a response within 15 working days.

3. Escalate to the Insurance Ombudsman

If your complaint is not resolved within 30 days or you are dissatisfied with the response, you can escalate it to the Insurance Ombudsman, an independent body that helps customers resolve disputes with insurance companies.

• Find Your Local Ombudsman: Ombudsman Contact List

• Submit a Written Complaint with all relevant documents (policy details, emails, and proof of issue).

✅ Key Point: The Ombudsman only handles cases where the disputed amount is less than ₹30 lakhs.

4. File a Complaint with IRDAI (Insurance Regulator)

If your complaint remains unresolved after 30 days, escalate it to the Insurance Regulatory and Development Authority of India (IRDAI).

• IRDAI Grievance Cell

• Email: complaints@irdai.gov.in

• Phone: 155255 / 1800 4254 732 (Toll-Free)

• Online Complaint Portal (IGMS): File Online

🔹 IRDAI ensures that insurance companies comply with regulations and take customer grievances seriously.

5. Approach Consumer Court (If Necessary)

If all previous steps fail, you can take legal action by filing a case in the Consumer Forum (Consumer Court).

• File a complaint online at consumerhelpline.gov.in

• Visit the nearest District Consumer Disputes Redressal Commission

• You will need all proof of correspondence, including emails, call records, and complaint numbers.

✅ Important: Legal action should be the last resort if the insurance company does not resolve your complaint through other channels.

Final Thoughts

Dealing with insurance complaints can be frustrating, but following the correct process can help you get a resolution faster. Always start with customer care, escalate if needed, and keep all records of communication. If the issue persists, approach the Ombudsman, IRDAI, or Consumer Court for a fair resolution.

If you’ve faced any issues with Axis Max Life Insurance, share your experience in the comments below! Let’s help others navigate the complaint process effectively.