Bima Bharosa Portal: Your Regulator-Backed Grievance Route
Register on bimabharosa.irdai.gov.in with email and mobile (OTP verified), select the insurer, describe the grievance with dates, and attach documents. Note the reference number - it powers all tracking.
What happens next
The insurer is notified and must respond within 15 days. IRDAI reviews the response, and inadequate replies can be escalated further, including to the Insurance Ombudsman.
When to file
After the insurer's Grievance Officer fails to resolve within 15 days, when the insurer's reply is unsatisfactory, for claim settlement delays beyond mandated timelines, or for unfair rejections and partial settlements.
Experts pre-fill the form correctly, attach the right evidence, and track it through to resolution. See the complete claim recovery guide and IGMS filing assistance for free guidance.