Bima Bharosa Portal: Your Regulator-Backed Grievance Route

By Hari Kotian, IRDAI-Certified Insurance Advisor · 2026

Policy number, insurer name, claim number, and a clear chronology. Attach the policy copy, rejection letter, correspondence, medical records, and payment receipts - vague complaints are slower.

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.

Registration and form

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.

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.