Either A or B
The Insurance Ombudsman is created by Government of India for individual policyholders to have their complaints settled out of the courts in an impartial, efficient and cost- effective way. There are 12 Insurance Ombudsman in different locations in India that an insured person can approach regarding their complaints related to insurance policy. If the policy holder is not satisfied with the award of the insurance ombudsman he can approach to other venues viz. Consumer Forums and Courts of law for redressal of his grievances.