The short answer. Bima Bharosa is IRDAI’s online portal for insurance complaints. You register the complaint and can track it there. The portal states that a registered complaint will be attended to within 14 days. If the reply does not resolve it, the next step is the Insurance Ombudsman. The portal takes no payment of any kind.
Your options
How a Bima Bharosa complaint goes.
Go to the insurer first. A clear written record makes the portal complaint stronger.
- 1. Complain to the insurer in writing. Keep the acknowledgement or proof of delivery.
- 2. Escalate to the insurer’s grievance officer. Attach your first letter and the reply, if any.
- 3. Register the complaint on Bima Bharosa. Give the policy and claim details, what happened, what you want, and attach your letters.
- 4. Track it on the portal. Check the reply. The portal states complaints are attended to within 14 days.
- 5. If it is not resolved, approach the Insurance Ombudsman. Within one year, at no fee, for compensation up to ₹50 lakh. The portal does not pass the complaint on for you.
What to attach
- Policy number and policy document
- The rejection or deduction letter
- Your grievance letter to the insurer, with proof of delivery
- The grievance officer’s reply, if any
- Claim form and medical or other records
- Your ID and contact details
What to expect
A clear complaint reads like this.
Short, dated and specific works best.
- State the facts. Policy, claim number, dates, and what the insurer decided.
- State the reason you disagree. Point to the policy clause and your documents.
- State what you want. Payment of the claim, reconsideration, or a written reason.
- Attach the trail. Every letter and reply, in date order.
How Samadhan Sarathi helps
We prepare it, step by step.
We read the papers against the policy wording, prepare your grievance and escalation letters, and, where it comes to that, prepare the Ombudsman petition. You sign it and return it, and we submit it online. A team of specialists works your file, supported by AI-assisted review of the policy and the correspondence.
Our fee
- 12% of what we recover for you
- GST included
- Nothing payable upfront
Who we are. Samadhan Sarathi is a private service based in Ludhiana. We are not the government, not the insurer, not a bank, and not IRDAI or the Insurance Ombudsman. We prepare your papers and take you through the process.
Questions
Common questions.
What is Bima Bharosa?
It is IRDAI’s online grievance portal where policyholders can register and track complaints against insurers.
How do I file on Bima Bharosa?
Register the complaint on the portal with your policy details and attachments, after you have first written to the insurer.
How long does Bima Bharosa take to respond?
The portal states that a registered complaint will be attended to within 14 days.
What if the insurer’s reply is not satisfactory?
You can complain to the Insurance Ombudsman within one year, with no fee, for compensation up to ₹50 lakh.
Does Bima Bharosa charge a fee?
No. The portal warns that it does not ask for payments of any kind and that you should not pay anyone to speed up a complaint.
Is Samadhan Sarathi connected with IRDAI or Bima Bharosa?
No. We are a private service and are not connected with IRDAI or the portal. We help you prepare a clear complaint.
Stop guessing.
Start resolving.
Tell us what happened in a few lines — we’ll tell you plainly whether we can help.