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Bima Bharosa Portal: Overview
Dealing with delayed claims, refunds, or poor service from your insurance company? The Bima Bharosa portal by IRDAI is here to simplify the complaint process and ensure quick resolution. This digital platform lets policyholders register and track their grievances online transparently and without any fees.
What is Bima Bharosa?
Bima Bharosa is IRDAI’s official online grievance redressal system that replaced the older IGMS. It acts as a one-stop, real-time hub where you can file complaints related to any insurance policy or claim. Once your grievance is submitted, it is monitored by both the insurer and IRDAI with strict turnaround times, helping reduce delays.
Key Benefits:
Transparency & Accountability: Your complaint status is tracked live by IRDAI and the insurer, so you know exactly where your case stands.
Easy Complaint Registration: Simply create a profile, upload your complaint with supporting documents, and receive a token number to track progress.
Stepwise Escalation: If the insurer’s response is unsatisfactory, escalate your grievance within the portal, or further approach the Insurance Ombudsman for claims up to ₹50 lakh.
No Charges or Hidden Fees: The portal never asks for any payment or QR-code scans. Beware of impostor sites or calls requesting money.
How to Use Bima Bharosa?
Visit the official portal: https://bimabharosa.irdai.gov.in/
Register or log in to your account.
Select your insurer and enter policy or claim details.
Describe your grievance in simple language and upload documents.
Submit and track your complaint using the generated token number.
Your grievance is instantly routed to your insurer’s official grievance team and mirrored in IRDAI’s system so both parties track the issue together.
You can track the progress live using your token number, with clear status updates like “New”, “Attended”, or “Closed” displayed on the portal.
If the insurer’s resolution is delayed or unsatisfactory, you can escalate the complaint directly from the portal, up to the Insurance Ombudsman if needed, ensuring documented and rapid closure.
Note: IRDAI’s official Bima Bharosa portal never asks you for payments, QR-code scans, or money to handle your grievance. If you receive suspicious calls, messages, or see look-alike websites claiming to speed up your complaint for a fee, ignore and report them immediately.
Conclusion
This platform strengthens your consumer rights by providing seamless communication between you, your insurer, and the regulator. It improves grievance resolution speed and reliability, bringing peace of mind to millions of policyholders across India.
Don’t let insurance hassles go unresolved. Use the Bima Bharosa portal today to make your insurance claim experience fair, transparent, and hassle-free.
How do I file a complaint on the Bima Bharosa portal?
Visit https://bimabharosa.irdai.gov.in/, create your profile, choose your insurer and policy details, describe your issue, upload supporting documents, and submit. You’ll get a token number for tracking your grievance.
Is there any fee to use the Bima Bharosa portal for complaints?
No, the Bima Bharosa portal is completely free. Beware of fake sites or calls demanding payment—IRDAI’s official portal never asks for money to handle complaints.
How can I track the status of my insurance grievance?
After submitting your complaint, log in and use the token number generated to view real-time status updates mirrored from your insurer’s system directly on the portal.
