For Canadian residents and families. Free help with life or health insurance complaints. From OmbudService for Life & Health Insurance.

Free help with life or health insurance complaints

By OmbudService for Life & Health Insurance

Did you know you can turn to the OmbudService for Life and Health Insurance (OLHI) for help if your insurer denies your life or health insurance claim?

No? You’re in good company. OLHI has been around for almost twenty years, but few Canadians know we exist. That’s why OLHI has launched a public education strategy to raise awareness with partners like the BC Care Providers Association.

Who can come to OLHI for help?

OLHI is Canada’s free, independent, and impartial alternative dispute resolution service for life and health insurance consumers, all 29 million of them. Our public service is available to any Canadian whose insurance company is an OLHI member – luckily, 99 per cent of life and health insurance providers are OLHI members.

Every year, OLHI helps thousands of life and health insurance consumers with complaints about many kinds of insurance.

A graphic showing the types of life and health insurance complaints OLHI can review
Insurance types

We offer helpful information and guide consumers through the complaints process. If they have a complaint with their insurer, we have a team of experts who can review or investigate their complaints. If we think the complaint has merit, our team will make a non-binding settlement recommendation to the insurance company.

An image  showing Common questions about OLHI’s alternative dispute resolution service

See OLHI’s alternative dispute resolution public service in action

Watch more case study videos on YouTube:

I have a complaint. What should I do?

Suppose your insurance company denies a claim, and you don’t know why or disagree with the decision. In that case, your first step is to talk to your company.

Don’t know where to start? OLHI can help. All insurance companies have a process for resolving complaints directly with their customers. They also have staff responsible for handling consumer complaints. Our website explains the process and lists all of the complaints officers for insurance companies across the country.

If you complete this process, your insurance company will send you a final position letter explaining their decision. Once you receive this letter, you can submit a complaint right on our website.

OLHI can only review your complaint if you have received a final position letter.

Want more information?

Visit OLHI online or follow us to learn more.

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OLHI also wants to partner with organizations that have frontline teams that support Canadians by sharing helpful resources. If you want to educate your employees about OLHI’s public service, contact us at We can share our public education materials, host workshops and provide content for your publications.

Find OLHI resources on Clicklaw

You can also find OLHI listings on Clicklaw.

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