At the decision
Vague denial reasons
A one-line rejection that never names the clause or the ground it rests on — leaving you nothing concrete to answer.
Taking cases now
They said no.
That isn't
the final word.
Denied claims and stalled complaints against insurers, banks and financial providers — diagnosed properly, escalated formally, and pushed until they move.
Step 1 Grievance letter
Step 2 Formal escalation
Step 3 Ombudsman petition
Also RTI application
What goes wrong
Three failures, in the
order you meet them.
A grievance rarely collapses all at once. It stalls at a predictable point — and which one you're standing at decides what the correct next move actually is.
After you file
Complaints that go quiet
Acknowledged once, then silence. No owner, no timeline, and no escalation route that produces a real response.
At the dead end
No clear next step
After the first no, most people don't know what a valid formal next move looks like — so time quietly runs out.
Services
Hand it over, or
file it yourself.
We do the drafting either way. The difference is who files it and follows it through — and that is your choice.
Bima Samadhan
We take the case off your plate and run it end to end — for disputes with insurers, banks and other financial providers.
- A specialist team owns your file, not a queue
- Structured escalation, every stage
- Deadlines and responses tracked
- Nothing payable upfront — the fee comes out of the recovery
12% of what we recover GST included · nothing payable upfront
Start my case Know more about Bima SamadhanDraftKit
We draft the document for you. You file it and follow it up yourself, on your own timeline.
- Grievance letters and petitions
- RTI applications
- Drafted by us — filing and follow-up are yours
₹599–₹5,999 GST-inclusive, paid upfront
Browse DraftKitHow it works · Bima Samadhan
Diagnose. Escalate.
See it through.
Six stages, in order, each one building the record the next one needs. Most cases end long before the last.
-
Send the papers
The rejection letter, the policy and every message exchanged so far.
-
Diagnose the case
Where the process broke, what ground the refusal actually rests on, and which clocks are already running.
-
Grievance letter
A formal letter to the insurer setting out the facts and the clause. You read it before it goes.
-
Escalate internally
To the company’s grievance officer, with the earlier record attached and a reply deadline on the record.
-
Ombudsman petition
If the insurer will not move, we prepare the petition in the required form. You sign it and return it to us, and we submit it online.
-
Through to closure
Queries answered, further submissions prepared and deadlines chased — until the file is closed one way or the other.
We only go as far as the case requires. If the insurer settles at the letter stage, it stops there — and we will tell you honestly when a matter has no formal route left rather than carry it further.
What actually gets filed
Paperwork that
gets read.
A grievance succeeds or fails on whether the person reviewing it can see the case immediately. Everything we send is built to be picked up, understood and acted on — in the format that stage expects.
- Grievance letterBoth services
- Escalation to the grievance officerBoth services
- Ombudsman petitionBoth services
- RTI applicationBoth services
- Deadline & response trackingFull service only
Who works on your case
A team of experts.
Sharpened by AI.
Your file is worked by a team of specialists in insurance, banking and financial grievances — not by one person juggling everything, and not by a call centre reading from a script.
Before a word is drafted, we run the policy wording, the ground of rejection and the correspondence trail through our own analysis tools, so nothing buried in the file is missed and every point that applies to your case is on the table. The judgement stays human. The machine only makes sure the humans are working with everything.
That also sets the limit of what we take on. If a matter genuinely has no formal route left, we say so at the first assessment rather than bill you to find out.
- Human expertise, AI-assisted review — nothing overlooked
- Your documents stay confidential
- You see every letter before it is sent
- 12% of what we recover, GST included — nothing upfront
Reviews
Reviews for
Bima Samadhan.
5.0
Google
Excellent service! Hand holding at every step of the appeal, solid drafting of plaints, patience were to be seen throughout. My claim was settled after a year, which at one stage looked a hopeless case. Strongly recommend Bima Samadhan & Anuragji for all insurance claims related assistance.
SM
Subramaniam Mohan
Claim appeal · a year ago
I am extremely thankful to BimaSamadhan for their excellent support in helping me recover my Mediclaim amount, which was initially rejected by the Insurance Company/TPA. Their team was highly polite, professional, and truly supportive throughout the entire process. They have deep E2E knowledge of Mediclaim process.
They guided me step-by-step with complete clarity and kept regular follow-ups to ensure my case was resolved smoothly. Without their intervention, I would have struggled to get what was rightfully mine.
Highly recommended for anyone facing issues with insurance claims. A truly trustworthy and customer-focused team!
Thanks and Regards,
Punit
P
Puniet
Mediclaim · TPA rejection · a year ago
They are very professional. Bima Samadhan is gem in recovering insurance money by following up in different ways. We didn't get PMSBY claim for almost 11 months. SBI manager didn't follow up properly and troubled us a lot. Once Bima Samadhan came into picture it got resolved in less than 2 moths. For sure, you can trust them.
PL
peddi leelaprasad
PMSBY claim · a year ago
Bima Samadhan is a Trusted platform to process PMJJBY insurance death claim amount... I seek help from Bima Samadhan team members.. They processed the claim on time without delay...
CG
CP Geetha
PMJJBY death claim · a year ago
Exceptional Service and Profound Gratitude 🙏🏻
I cannot express my gratitude enough for the outstanding service provided by Bima Samadhan, particularly Mr. Anurag, in rectifying a fraudulent incident involving a well-known non-banking financial company. From the moment I reached out for assistance, Mr. Anurag demonstrated unparalleled professionalism, dedication, and expertise in navigating the complex situation.
Thanks to Mr. Anurag's relentless efforts, I was able to recover nearly 98% of the funds lost in a remarkably short period of time. His attention to detail, proactive approach, and unwavering commitment to resolving the issue swiftly were truly commendable.I am beyond impressed with the level of service and support I received throughout the entire process. Mr. Anurag's professionalism, integrity, and genuine concern for his clients' well-being truly set him apart.Words cannot adequately convey the depth of my gratitude for Mr. Anurag's invaluable assistance.
I highly recommend Bima Samadhan to anyone in need of expert guidance and assistance in navigating similar challenges. Thank you once again for everything!
KR
kinnera reddy
NBFC fraud recovery · 2 years ago
What we take on
Disputes we handle.
If an insurer has rejected, deducted, delayed or gone quiet on your claim, and there's a written decision to challenge, it's likely in scope.
Health insurance claims
Motor insurance claims
Life insurance claims
PMJJBY claim rejection
PMSBY claim rejection
Reimbursement claim rejection
Claim deductions & short settlements
Delayed claim settlement
Nominee & death claim disputes
Policy lapse & renewal disputes
Insurance mis-selling
Insurance fraud
PMJJBY & PMSBY enrolment disputes
Pre-existing disease exclusions
Non-disclosure allegations
Claim repudiation without reasons
Questions
Before you get in touch.
Which service fits my case?
If you want the matter handled end to end, that's Bima Samadhan. If you already know what you want to say and only need it formatted correctly and filed on time, DraftKit is faster and costs less.
Do you handle PMJJBY and PMSBY claims?
Yes. Rejected or delayed claims under Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha Bima Yojana are in scope — these often stall between the bank and the insurer, and the first job is establishing which of the two is actually holding it up.
What kinds of complaint does DraftKit cover?
Grievances against insurers, banks and other financial providers — the same ground our case handling covers. We draft grievance letters, escalation letters, Ombudsman petitions, RTI applications and reply drafts. The difference between the two services is who files it and follows it up, not what it is about.
Do you guarantee an outcome?
No. No case outcome can be guaranteed by anyone. What we commit to is a properly diagnosed case, escalated through the correct formal channels, filed on time and followed up.
What do you need from me to start?
The denial or rejection letter, the policy or account documents it refers to, and the correspondence so far. If some of it is missing, we'll tell you what to request and how.
How are fees decided?
The two services work differently. Bima Samadhan case handling runs on a success fee of 12% of the amount we recover for you, GST included. Nothing is payable upfront, and the fee becomes due only if your case is successfully resolved. DraftKit is fixed-price per document, shown before you buy and paid at the time of ordering.
Is it too late for my case?
Possibly, but often not. Each stage of a grievance runs on its own time limit measured from the decision date, and people usually assume the door has closed earlier than it has. Send us the dates and we'll tell you exactly where you stand.
Where do you work?
Anywhere in India. Everything runs on documents and correspondence, so your city makes no difference to how the case is handled.
Stop guessing.
Start resolving.
Tell us what happened in a few lines — we’ll tell you plainly whether we can help.