If your insurance claim is delayed, your refund has not come, or you face a problem with policy changes, the Bima Bharosa Portal can help you. This is the new portal of the Insurance Regulatory and Development Authority of India (IRDAI). It has replaced the old IGMS system. After you file a complaint, you will get a tracking number. You can check your case updates online through both your insurer and the IRDAI system.
How to File a Complaint on the Bima Bharosa Portal
- Go to the Bima Bharosa website and click on Register Complaint.
- Enter your name, mobile number, and email ID to create a profile.
- Choose your insurance company and enter your policy or claim number.
- Write your problem clearly and upload the needed documents.
- After you submit, you will get a tracking number. You can use it to check the status of your complaint — like New, Attended, or Closed.
When and How to File a Complaint
IRDAI says you should first contact your insurance company if you have any problem. If you do not get a reply or the reply is not helpful within the given time, you can file your complaint on the Bima Bharosa Portal. You can also track your complaint there. If the issue still continues, you can take it to the Insurance Ombudsman using the same record.
Common Questions
Question: Do I need to contact the insurance company before using the Bima Bharosa Portal?
Answer: Yes. IRDAI advises you to first write to the company’s grievance cell. If you do not get a proper reply, then file your complaint on the portal.
Question: How can I check my complaint status?
Answer: Log in to the portal using the token number you get after submission. You can see the status there — it is updated by both the company and IRDAI.
Question: Is the Bima Bharosa Portal safe?
Answer: Yes. The real portal never asks for money or QR code scans. If you get fake messages, calls, or links, ignore and report them.