Kotak Life Insurance Toll Free No. 1800 209 8800

Toll free Number(s): 
  • 1800 209 8800 (Mon to Sat 8 am to 10pm)
All India Number(s): 
  • 022 6605 7280
  • 022 4285 1080


  • Mitra@kli [dot] claimsmitra [at] kotak [dot] com
  • clientservicedesk [at] kotak [dot] com
  • kli [dot] grievance [at] kotak [dot] com (Grievance officer)

Complaint Fraud

 Email : kli [dot] riskcontrol [at] kotak [dot] com with "Spurious Email" in the subject line.

SMS Alerts

Sr. No. Service Keyword SMS Syntax
1 For Registration REGL REGL <POLICY NO> <DATE OF BIRTH> to 5676788. Example REGL 176945 17/09/1974
2 For Premium Due date and Amount Due PREML PREML <POLICY NO> to 5676788
3 For NAV & Fund Value as on date NAVL NAVL <POLICY NO> to 5676788
4 For Premium Certificate CERTL CERTL <POLICY NO> to 5676788
5 For Unit Link Statement STMTL STMTL <POLICY NO> to 5676788
6 For Renewal Notice RENOTL RENOTL <POLICY NO> to 5676788

Important Links

New Customer

Existing Customer

Address for Complaints / Grievances :

Client Service Desk,
Kotak Mahindra Old Mutual Life Insurance Limited,
Kotak Towers,7th Floor,Zone IV,
Building No. 21, Infinity Park,
Off Western Express Highway,
Goregaon Mulund Link Road, Middle East
Mumbai - 400 097

The Grievance Redressal Officer,
Kotak Mahindra Old Mutual Life Insurance Limited,
Kotak Towers,7th Floor,Zone IV,
Building No.21, Infinity Park,
Off Western Express Highway,
Goregaon Mulund Link Road,
Malad East, Mumbai - 400 097

Insurance Ombudsman Centers

Office Details Juridiction of office (Union territory, District)
Office of the Insurance Ombudsman,
6th floor, Jeevan Prakash Bldg,
Tilak Marg, Relief Road,
Ahmedabad – 380001.
Tel.: 079-25501201/02/05/06
Email: bimalokpal [dot] ahmedabad [at] gbic [dot] co [dot] in
Dadra & Nagar Haveli,
Daman and Diu.
Office of the Insurance Ombudsman,
Jeevan Soudha Building,PID No. 57-27-N-19
Ground Floor, 19/19, 24th Main Road,
JP Nagar, Ist Phase,
Bengaluru – 560 078.
Tel.: 080 - 26652048 / 26652049
Email: bimalokpal [dot] bengaluru [at] gbic [dot] co [dot] in
Office of the Insurance Ombudsman,
Janak Vihar Complex, 2nd Floor,
6, Malviya Nagar, Opp. Airtel Office,
Near New Market,
Bhopal – 462 003.
Tel.: 0755 - 2769201 / 2769202
Fax: 0755 - 2769203
Email: bimalokpal [dot] bhopal [at] gbic [dot] co [dot] in
Madhya Pradesh
Office of the Insurance Ombudsman,
62, Forest park,
Bhubneshwar – 751 009.
Tel.: 0674 - 2596461 /2596455
Fax: 0674 - 2596429
Email: bimalokpal [dot] bhubaneswar [at] gbic [dot] co [dot] in
Office of the Insurance Ombudsman,
S.C.O. No. 101, 102 & 103, 2nd Floor,
Batra Building, Sector 17 – D,
Chandigarh – 160 017.
Tel.: 0172 - 2706196 / 2706468
Fax: 0172 - 2708274
Email: bimalokpal [dot] chandigarh [at] gbic [dot] co [dot] in
Punjab, Haryana,
Himachal Pradesh,
Jammu & Kashmir,
Office of the Insurance Ombudsman,
Fatima Akhtar Court, 4th Floor, 453 (Old 312),
Anna Salai, Teynampet,
Chennai – 600 018.
Tel.: 044 - 24333668 / 24335284
Fax: 044 - 24333664
Email: bimalokpal [dot] chennai [at] gbic [dot] co [dot] in
Tamil Nadu,
Pondicherry Town and
Karaikal (which are part of Pondicherry).
Office of the Insurance Ombudsman,
2/2 A, Universal Insurance Building,
Asaf Ali Road,
New Delhi – 110 002.
Tel.: 011 – 23239611 / 23237532
Fax: 011 - 23230858
Email: bimalokpal [dot] delhi [at] gbic [dot] co [dot] in
Office of the Insurance Ombudsman,
Jeevan Nivesh, 5th Floor,
Nr. Panbazar over bridge, S.S. Road,
Guwahati – 781001(ASSAM).
Tel.: 0361 - 2132204 / 2132205
Fax: 0361 - 2732937
Email: bimalokpal [dot] guwahati [at] gbic [dot] co [dot] in
Assam, Meghalaya,
Manipur, Mizoram,
Arunachal Pradesh,
Nagaland and Tripura.
Office of the Insurance Ombudsman,
6-2-46, 1st floor, "Moin Court",
Lane Opp. Saleem Function Palace,
A. C. Guards, Lakdi-Ka-Pool,
Hyderabad - 500 004.
Tel.: 040 - 65504123 / 23312122
Fax: 040 - 23376599
Email: bimalokpal [dot] hyderabad [at] gbic [dot] co [dot] in
Andhra Pradesh,
Telangana, Yanam and
part of Territory of Pondicherry.
Office of the Insurance Ombudsman,
Jeevan Nidhi – II Bldg., Gr. Floor,
Bhawani Singh Marg,
Jaipur - 302 005.
Tel.: 0141 - 2740363
Email: Bimalokpal [dot] jaipur [at] gbic [dot] co [dot] in
Office of the Insurance Ombudsman,
2nd Floor, Pulinat Bldg.,
Opp. Cochin Shipyard, M. G. Road,
Ernakulam - 682 015.
Tel.: 0484 - 2358759 / 2359338
Fax: 0484 - 2359336
Email: bimalokpal [dot] ernakulam [at] gbic [dot] co [dot] in
Mahe-a part of Pondicherry.
Office of the Insurance Ombudsman,
Hindustan Bldg. Annexe, 4th Floor,
4, C.R. Avenue,
Kolkata - 700 072.
Tel.: 033 - 22124339 / 22124340
Fax : 033 - 22124341
Email: bimalokpal [dot] kolkata [at] gbic [dot] co [dot] in
West Bengal, Sikkim,
Andaman & Nicobar Islands.
Office of the Insurance Ombudsman,
6th Floor, Jeevan Bhawan, Phase-II,
Nawal Kishore Road, Hazratganj,
Lucknow - 226 001.
Tel.: 0522 - 2231330 / 2231331
Fax: 0522 - 2231310
Email: bimalokpal [dot] lucknow [at] gbic [dot] co [dot] in
Districts of Uttar Pradesh :
Laitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur,
Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur, Varanasi, Gazipur, Jalaun, Kanpur,
Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli,Sravasti,
Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar,
Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria,
Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar.
Office of the Insurance Ombudsman,
3rd Floor, Jeevan Seva Annexe,
S. V. Road, Santacruz (W),
Mumbai - 400 054.
Tel.: 022 - 26106928 / 26106960
Fax: 022 - 26106052
Email: bimalokpal [dot] mumbai [at] gbic [dot] co [dot] in
Goa, Mumbai Metropolitan Region excluding Navi Mumbai & Thane.
Office of the Insurance Ombudsman,
Bhagwan Sahai Palace
4th Floor, Main Road,
Naya Bans, Sector 15,
Distt: Gautam Buddh Nagar,
Tel.: 0120-2514250 / 2514251 / 2514253
Email: bimalokpal [dot] noida [at] gbic [dot] co [dot] in
State of Uttaranchal and the following Districts of Uttar Pradesh:
Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar,Etah,
Kanooj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya,
Pilibhit, Etawah, Farrukhabad, Firozbad, Gautambodhanagar, Ghaziabad, Hardoi,
Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras,
Kanshiramnagar, Saharanpur.
Office of the Insurance Ombudsman,
1st Floor,Kalpana Arcade Building,
Bazar Samiti Road,
Patna 800 006.
Email: bimalokpal [dot] patna [at] gbic [dot] co [dot] in
Bihar, Jharkhand.
Office of the Insurance Ombudsman,
Jeevan Darshan Bldg., 3rd Floor,
C.T.S. No.s. 195 to 198,
N.C. Kelkar Road, Narayan Peth,
Pune – 411 030.
Tel.: 020 - 32341320
Email: bimalokpal [dot] pune [at] gbic [dot] co [dot] in
Area of Navi Mumbai and Thane excluding Mumbai Metropolitan Region.

Corporate Office Address

4th Floor, Vinay Bhavya Complex
159 A, CST Road, Kalina
Santa Cruz (E), Mumbai - 400098

Registered Office

 2nd Floor, Plot # C- 12, G- Block,
BKC, Bandra (E),
Mumbai - 400 051

Social Sites






Policies without information

Subject: Policy Numbers CD000002_MUMHL19000769_22 6570_B, GA000267_MUMHL19000769_226570 & CD000002_MUMHL19000769_22 6570_G

I have taken a loan from L&T Housing Finance Limited for a purchase of Property in mumbai. L&T Housing finance sanctioned me 83 Lakhs loan out of which 70 Lakhs disbursed. They(L&T Housing Finance) taken a insurance on loan for us from Kotak Life Insurance. L&T Housing finance didn’t conveyed the terms and conditions of the policy. We never met any Kotak employee before taking policy. We received the policy from Kotak on 6th of July. We read the terms and condition of the property which we are not agreed with.

Even before receiving the policy document we had approached L&T to cancel the insurance because its seems the policy is not going with our financial budget and give us some policy which is affordable. L&T RM made us promise that she will cancel the policy in free lookup period once the policy document arrive and we will get the full refund after deducting the some charges.

We approached and had a meeting couple of time with L&T Housing Finance regarding cancellation of this policy but they always postpone my case to cancel in future but not today but I want policy to get cancel in the period of free lookup as I wanted full refund. I have also registered the complaint with L&T Housing finance.

My mother is cancer patient and 51 years old . Still Kotak and L&T issued policy on my mother. She can’t walk and sit for longer time. She went to the L&T Housing Finance for the request to cancel the policy. They made her sit for around 1 hour to get talked saying the manager is not here and there and made her wait. After meeting they promised to cancel the policy but next day they again they said policy can’t be cancelled. And to wait fro 1-2 month to get it process if she still wants to cancel.

With no strong response from L&T housing Finance my mother(a cancer patient and a 50 year old) went to Kotak Life insurance branch in Chembur, Mumbai on July 11 2019. We met Mr.Iyer and he promised to get it solved and he gave number and email id of Mr. Arbaaz Shaikh. We mailed Mr. Arbaaz Shaikh and L&T Housing Finance RM Nuzhat Ansari. I did not received any response from them. Again my mom had to call them and they didn’t responded the call. We called Mr. Arbaaz again next day he replied its in L&T Housing finance hand to cancel the policy. We mentioned there is nowhere in the policy return we have to take permission from L&T to cancel the policy. As policy said we have submitted the request to cancel the policy.

My Mother and my family Members are getting harassed from L&T for more than a months . My mom being a cancer patient have to visit everyones office now and then. All we want to cancel the policy in free look up period which is our rights as per IRDA. We also asked L&T Housing finance to take the policy which is affordable to us. We can’t pay the interest every month on the insurance of around 22 Lakh on my family. The interest separately coming around 19000 rupees per month on insurance on top of loan EMI of around fifty thousand. We already have huge treatment process for my mother and above that Housing loan and again above that Insurance interest L&T is putting on us. That interest is not refundable and Policy Premium is also get deduct when we close the policy which was not told to us before taking policy.

L&T RM and Manager don’t response to our call and and when do they talk rudely. They shout on my mother when she ask to cancel policy and give tiff reply and make her false promises. This is going on over a month. We mailed couple of time to L&T but they don’t reply back. They replied once on mailed with very unprofessional way.

My L&T Housing Loan id is MUMHL19000768 and L&T insurance on housing is MUMHL19000769
Policy Number CD000002 on name of Vikas Sharma and Kinjal Sharma
Policy Number GA00027 on name of Meena Sharma

We request you to cancel the policy as soon as possible and give relief to my family from such a burden. We will be very thankful to Kotak.

P.S. We are not able to get any strong response from anyone. We hope from Kotak to solve this as early as possible.

Without Consent Insurance Applied

Kotak Bank
Insurance Divsion

This is reference to the Loan Account No. GA000267, which I have taken home loan from L&Tbank for the Property I have chosen at Super Tech at Noida Extension.

But Sadly sad that without my consent a Huge Amount of Insurance has been put on it.

I am really not to going to pay that Insurance Amount as EMIs also has to pay with my limited budget (pre-decided)

you are being requested to please cancel my Insurance amount immediately and get the revised in your system with immeidate effect..

without consent , I already confirmed over the phone to person as well as Kotak team / L & T Team that I don't want the insurance for this loan / property.

Thanks and REgards

Same thing is happening with

Same thing is happening with me .. what should I do ??

Mistakes in email and residence

Today I received your letter regarding my contact details.

Policy number 10180
Client ID N0015873
Request Id 4665113

I found two mistakes.
Address : Sweety society
Not seety
Email csjardosh [at] hotmail [dot] com
Not ccsjardosh [at] hotmail [dot] com
Do needful

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