About us
Samadhan Sarathi is an independent grievance practice in India. We help people challenge decisions from insurers, banks and financial providers — claims and complaints that have been rejected, deducted, delayed or simply ignored. Cases are worked by a team of specialists, led by founder Anurag Kumar.
What we do
We take decisions that have gone against you and put them back on a formal footing.
Most people lose a valid claim not because the claim was weak, but because the refusal was never properly answered. A one-line rejection goes unchallenged. A complaint is acknowledged and then forgotten. A deadline passes quietly. The other side's position hardens by default.
We read the decision against the actual policy or account terms, identify the specific ground it turns on, and answer it in writing — in the format and sequence the process expects. If they don't move, the matter escalates: grievance officer first, then a petition to the appropriate forum.
Who works on your case
Anurag Kumar has spent over 18 years in the insurance and BFSI sector, working on customer grievances, fraud examination and regulatory compliance.
His background combines three things that rarely sit together: technical knowledge of how insurers actually assess and refuse claims, formal training in fraud examination, and a working command of the compliance rules that bind the industry. That combination is why a refusal letter reads differently to him than it does to the person who received it.
He is also a long-standing advocate for transparency in the insurance sector, has acted as a whistleblower in uncovering fraudulent practice, and is a certified RTI expert with experience filing applications, pursuing appeals and appearing before the Central Information Commission.
He leads the practice; he is not the whole of it. Cases are worked by a team of specialists he has trained and works alongside, supported by AI-assisted review of policy wordings, rejection grounds and correspondence. Your file is owned by that team from start to finish — there is no handover to a queue, and no template posted on your behalf.
Why us
A team of specialists reads the file, writes the letters and follows the case through, with AI-assisted review making sure nothing buried in the papers is missed. Nothing is delegated to a template or a call centre.
Years spent inside insurance and BFSI, plus formal fraud-examination training, means the ground a refusal rests on is usually obvious to us — and answerable.
If a matter genuinely has no formal route left, you are told at the free first assessment rather than billed to find out.
Questions
We put a decision that has gone against you back on a formal footing. We diagnose why the claim or complaint failed, then escalate it — grievance letter, grievance officer, and a petition to the appropriate forum if needed.
Anurag Kumar is the founder and CEO. He has over 18 years in the insurance and BFSI sector and is a Certified Fraud Examiner (ACFE, USA), a Chartered Accountant (Inter) from ICAI, and a certified RTI expert. He leads a team of specialists who work on every case.
Bima Samadhan is the case-handling service operating under the Samadhan Sarathi name.
Neither. Samadhan Sarathi is an independent consultancy that helps people prepare and escalate grievances against insurers, banks and financial providers. We do not sell insurance, and we are not a licensed legal practice. We are also not connected to, affiliated with or endorsed by any Government authority or regulator — we use the same grievance and Ombudsman channels that are open to every policyholder, and we know how to use them properly.
We are based in Ludhiana, Punjab, and handle cases for clients anywhere in India. The work runs on documents and correspondence, so your city makes no difference to how a case is handled.
No. No outcome can be guaranteed by anyone. What we commit to is a properly diagnosed case, escalated through the correct formal channels, filed within the applicable time limits and followed up until it closes.
Nothing. The first assessment is free. If we take the case on, the fee is agreed in writing before any work begins and does not change afterwards.
Tell us what happened in a few lines — we’ll tell you plainly whether we can help.
Caution. Some individuals are fraudulently using our name to approach claimants and policyholders, asking for money to resolve complaints. For case handling under Bima Samadhan we never ask for payment upfront — our fee is payable only after the case is successfully resolved. Deal with us only through our official channels listed on this website.
