Multiple choice

No complaints to the Ombudsman shall lie unless

  1. the complaint is made not later than one year, after the insurer had rejected the representation

  2. the complaint is not on the same subject matter, for which any proceedings before any court, is pending or were so, earlier

  3. the complainant, before making a complaint to the Ombudsman,had made a written representation to the insurer named in the complaint

  4. All the above
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D Correct answer
Explanation

No complaint to the Ombudsman shall lie unless:- (a) the complainant, before making a complaint to the Ombudsman, had made a written representation to the insurer named in the complaint and either insurer had rejected the complaint or the complainant had not received any reply within a period of one month after the insurer concerned received his representation or the complainant is not satisfied with the reply given to him by the insurer. (b) the complaint is made not later than one year after the insurer had rejected the representation or sent his final reply on the representation of the complainant; and (c) the complaint is not on the same subject matter, for which any proceedings before any court, or Consumer Forum, or arbitrator is pending or were so, earlier.

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