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.
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.
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.
What Bima Bharosa is
The Integrated Grievance Management System (IGMS), now branded Bima Bharosa, is IRDAI's official portal for policyholder complaints. It is free, official, and carries regulatory weight - insurers respond seriously because IRDAI monitors it.