How to File an IRDAI Bima Bharosa Complaint in 2026 (Full Walkthrough)

By Hari Kotian, IRDAI-Certified Insurance Advisor · 2026

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.

Prepare before you file

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.

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.

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.