Insurance · Life insurance
LIC Customer Care Number — 24x7 Helpline, WhatsApp, Email & Grievance Redressal
Every contact below is taken from LIC's own official contact and grievance page — not from a directory listing. Along with the numbers you will find what each channel can actually resolve, the grievance officer to escalate to, and the free IRDAI route above them if LIC does not fix your problem.
Contacts last verified: 2026-09-23
LIC customer care contacts at a glance
Toll-free numbers
LIC publishes no 1800-series toll-free line — the numbers above are chargeable at your operator's rate.
Available 24x7
| Number | What it is for | Hours |
|---|---|---|
| +91-22-68276827 24x7 | Main call centre / customer helpline (policy enquiries, grievances) | 24x7 — "Services are now available 24*7 in English, Hindi and 8 Regional Languages" |
| 9222492224 | SMS service — send "LICHELP <policy no.>" for policy information | not published |
| 56767877 | SMS service (alternate short code) — send "LICHELP <policy no.>" | not published |
| 022-22029593 | Corporate Grievance Redressal Officer, Policy Services - Conventional Policies (CRM HQ Mumbai) | not published |
| 022-22024597 | Corporate Grievance Redressal Officer, Conventional New Policies (New Business & Reinsurance HQ Mumbai) | not published |
| 022-22029594 | Corporate Grievance Redressal Officer, Pension & Group Schemes / Group Annuity Policies | not published |
| 022-22027527 | Corporate Grievance Redressal Officer, Agents / Development Officers / Intermediaries | not published |
| 8976923091 | Health Insurance TPA (Healthindia Insurance TPA Services Pvt. Ltd) toll free — LIC health policies | not published |
| 8976923092 | Health Insurance TPA senior citizens toll free | not published |
LIC's official WhatsApp service. Per LIC's press release: "Policyholders who have registered their Policies on the LIC Portal will be able to make use of these services on WhatsApp by saying 'Hi' on Mobile No. 8976862090." The published list of the individual menu options appears only as a screenshot image in that press release, so the exact per-service wording could not be read from a primary source.
- co_complaints@licindia.com — Grievances / complaints (Central Office CRM)
- co_pgscomplaints@licindia.com — Grievances on Pension & Group Schemes / Group Annuity policies
- ed_nb@licindia.com — Grievances on conventional new policies (New Business & Reinsurance)
- co_agentdocomplaints@licindia.com — Grievances about agents, development officers and intermediaries
- spuriouscalls@licindia.com — Reporting suspicious / spurious calls, WhatsApp messages or e-mails
- co_cc@licindia.com — Website-related queries only — LIC states "NOT FOR ANY PRODUCTS AND POLICIES"
- investors@licindia.com — Shareholder / investor grievance redressal (not policyholder servicing)
- helpdesklic@healthindiatpa.com — Health insurance TPA helpdesk
24x7: at least one line above is published as round-the-clock. Fraud and card-block requests should always go to that line immediately — speed, not paperwork, is what limits your loss.
Verified against https://licindia.in/contact-us
Check the number before you dial
Searching for a customer care number is one of the most exploited moments in Indian consumer finance: fraudsters seed fake helplines into search results, map listings and social-media replies. Take the number from LIC's own site or from inside its app, and never accept inbound help. No insurer in India will ever ask for your OTP, PIN, CVV, full card number or a screen-sharing app, and no genuine refund requires you to pay first.
LIC's own published warning: “Beware of misleading telephone calls from people posing as LIC officials, agents, IRDAI Officials, Officials from ECI (Office of the Executive Council of Insurers) etc. and offering alluring benefits. Please be informed that: LIC does not share bonus information with the policyholders through phone calls. LIC never encourages policyholders to discontinue their existing policy/policies.”
If money has already left your account, call 1930 and file at cybercrime.gov.in the same hour — see the first-hour fraud steps.
What you can get done on the LIC helpline
- › Pay premium (cash counter, alternate channels, customer portal, credit card, premium points)
- › Check policy status
- › Check premium due, bonus information, loan eligibility/repayment quotation, loan interest due, premium paid certificate and ULIP unit statement via WhatsApp/portal (menu list image-only on LIC's press release)
- › Update contact details (offline)
- › Change of address, policy revival, nomination change, premium certificates and customer-portal registration at Customer Zones
- › Intimate a death claim in writing to the servicing branch and obtain claim forms
- › Check claims settlement requirements for maturity and death claims
- › Search for unclaimed amounts
- › Register and track a grievance (ICMS portal for registered customer-portal users; e-mail; Grievance Redressal Officer at branch/divisional/zonal/central level)
- › Report spurious calls
- › NRI services via the NRI Centre
Keep these ready before you call — your policy number, registered mobile number, the exact date and amount of the transaction in question, and any earlier complaint reference number. Ask for a reference number before the call ends and note the agent's name: without a reference, an escalation has nothing to attach to.
Registering a claim with LIC
Claim intimation
- Phone
- +91-22-68276827
- not published
- Turnaround
- LIC does not publish a numeric claim settlement turnaround on its claims pages. It states: "The settlement of claims is a very important aspect of service to the policyholders. Hence, the Corporation has laid great emphasis on expeditious settlement of Maturity as well as Death Claims." For death claims, intimation in writing (with the death certificate) must be given to the servicing branch; LIC states intimation should be notified within 90 days from the date of death for claims to be admissible. For maturity claims, the servicing branch sends a letter at least two months before the policy monies become payable.
Keep the claim moving
Intimate the claim first and get the claim number, then send documents against it — a claim that is not intimated cannot be tracked or escalated. Ask for the deficiency list in writing rather than over the phone, so that every pending document is on record; repeated requests for documents already submitted are the single most common reason a claim drifts. If the claim is repudiated, ask for the repudiation in writing with the policy clause cited: the Insurance Ombudsman will ask for exactly that letter.
LIC grievance redressal — officer, address and timelines
IRDAI requires every insurer to appoint and publish a Grievance Redressal Officer. This is who you write to when customer care has not fixed the problem — and the step you must complete before the Ombudsman will hear you.
Grievance Redressal Officer
- Name
- Rachna Khare
- Designation
- Executive Director (CRM-PS), Customer Relationship Management, HQ Mumbai — Corporate Grievance Redressal Officer for Policy Services (Conventional Policies)
- Phone
- 022-22029593
- Address
- Life Insurance Corporation of India, Central Office 'Yogakshema', Jeevan Bima Marg, Nariman Point, Mumbai 400021
- Hours
- "The respective Grievance Redressal Officers are available at their Offices for personal interviews with the customers on all Mondays between 2.30 p.m. to 4.30 p.m., except on holidays without prior appointment." Customers may meet them on other days with prior appointment.
- Timeline
- IRDAI requires the insurer to resolve a complaint within 15 days of registration.
What to put in the escalation email
One screen, no adjectives. Open with your policy number and the earlier complaint reference. Then: what happened, with dates and amounts; what you have already been told; and what specific outcome you want — a reversal, a corrected bureau entry, a closure letter. Attach screenshots and statements as files rather than describing them. Close with a line saying that if it is not resolved within 15 days you will take it to the IRDAI Bima Bharosa portal and the Insurance Ombudsman. That sentence changes how the file is handled, because it starts a clock the company is measured on.
Registered office: Life Insurance Corporation of India, Central Office 'Yogakshema', Jeevan Bima Marg, Nariman Point, Mumbai 400021
If LIC does not resolve it: the escalation ladder
Each level has to be attempted before the next one will hear you, and each one needs the reference number from the level below. Nothing here costs money and none of it needs a lawyer.
Sr./Branch Manager, designated Grievance Redressal Officer at the servicing branch
Servicing branch (use LIC branch locator on licindia.in); registered portal users may file via the ICMS portal
Manager (CRM), Divisional Office
Divisional Office Grievance Redressal Officers list published on licindia.in/grievances
Regional Manager (CRM), Zonal Office
Zonal Office Grievance Redressal Officers list published on licindia.in/grievances
Executive Director (CRM), Central Office — for policy services (conventional policies): Rachna Khare, Executive Director (CRM-PS)
co_complaints@licindia.com / 022-22029593 / +91-22-68276827
Zonal Office Claims Dispute Redressal Committee
"Whenever a claim is repudiated, the claimant is explicitly informed of the grounds of repudiation and provided with the address of the Zonal Office Claims Dispute Redressal Committee"
Central Office Claims Dispute Redressal Committee, Mumbai
Escalation if the Zonal committee upholds the repudiation
Insurance Ombudsman (Council for Insurance Ombudsmen)
www.cioins.co.in — "If you are still not satisfied with the response received on your grievance, you may contact Insurance Ombudsman"
LIC publishes: complaints "for value of the claim including expenses not exceeding Rs.20 lacs, within 1 year from the date of rejection/repudiation/partial settlement"; complaint must be in writing and signed by the policyholder/claimant/legal heirs; no fee is charged
Regulator and emergency helplines
| National Cyber Crime Helpline 1930 | Financial fraud, unauthorised transactions, digital-arrest and phishing scams. Call within the first hour. cybercrime.gov.in |
| IRDAI Grievance Call Centre / Bima Bharosa 155255 | Insurance complaints the insurer has not resolved. Alternate line 1800 4254 732; complaints@irdai.gov.in. bimabharosa.irdai.gov.in |
| Council for Insurance Ombudsmen 022-6903 8800 | Claim repudiation, delays and policy servicing disputes after the insurer’s final reply. inscoun@cioins.co.in. cioins.co.in |
| National Consumer Helpline 1915 | Consumer disputes including mis-selling of financial products. Toll-free, 8 AM–8 PM. consumerhelpline.gov.in |
| IRDAI List of Grievance Officers | The regulator’s own directory of every insurer’s Grievance Redressal Officer — the definitive source. irdai.gov.in/list-of-gros |
LIC customer care — frequently asked questions
What is the LIC customer care number?
Is there a 24x7 LIC helpline?
Does LIC have a WhatsApp number?
How do I file a complaint against LIC?
Who is the grievance redressal officer of LIC?
How do I know a LIC customer care number is genuine?
Other insurance customer care numbers
Useful tools and guides
Sources
- LIC Contact Us
- LIC Phone Helpline
- LIC Grievance Redressal
- LIC Corporate Grievance Redressal Officers 2024-25 (PDF)
- LIC Email Addresses for Grievance Redressal
- LIC Customer Services
- LIC Claims Settlement Requirements
- LIC Help us to serve you better (claims dispute redressal, Ombudsman)
- LIC Policy Guidelines & Helpline
- LIC NRI Centre
- LIC Awareness about Spurious Calls (PDF)
- LIC press release: LIC of India launches its WhatsApp Services (PDF)
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