Bima Bharosa
Bima Bharosa is IRDAI's Integrated Grievance Management System, set up in 2010 under the name IGMS. Policyholders use it to register an insurance complaint online and follow its status; IRDAI uses it to monitor how insurers handle complaints.[1, 2]
IRDAI describes it as a gateway to register complaints with insurance companies first and, if need be, escalate them to IRDAI's grievance cells. A complaint registered there flows into the insurer's system and IRDAI's records, and if you are not satisfied with the insurer's resolution you can send it for IRDAI's review for possible violation of regulations.[3, 4]
The portal does not ask complainants for payment of any kind, and ClaimAssure is not connected to it: you register and track your complaint yourself on the official site. The pages here cover when to use it, how to register and track a complaint, the other ways to reach IRDAI, and what the regulator can and cannot do.[5]
Start here
- What is Bima Bharosa, and when should I use it?Bima Bharosa, IRDAI's insurance grievance portal, explained: what happens to a complaint there, when to use it, and what it does not do, such as decide claims.
- How do I register a complaint on Bima Bharosa?Registering an insurance complaint on IRDAI's Bima Bharosa portal, step by step: what to have ready, each screen, the description and the number you get.
- How do I track a Bima Bharosa complaint, and what do the statuses mean?How to track an insurance complaint on Bima Bharosa with your mobile and OTP, what New, Pending, Attended to, Escalated and Closed mean, and what to do at each.
Questions people ask
Explained
- Can IRDAI settle my insurance claim?What IRDAI can and cannot do about your insurance claim: how it handles complaints, why it does not decide claims, and which forum can make a binding decision.
- How can I complain to IRDAI by email, phone or post?IRDAI's toll-free numbers, complaint email and postal address for insurance complaints, how to use the paper form, and what to do before writing to it.
Free tools
Sources
The official documents this page relies on. Rules change: where it matters to your claim, check the current version at the source.
1. IRDAI - Bima Bharosa
Bima Bharosa - About UsAccessed 2026-10-09 · Cited at: bimabharosa.irdai.gov.in/Home/AboutUs, 'Who we are'
2. IRDAI - Bima Bharosa
User Manual - Bima Bharosa (Policy Holder), 22 pagesAccessed 2026-10-09 · Cited at: Bima Bharosa User Manual (Policy Holder), 1 Overview (p. 3)
3. IRDAI - Bima Bharosa
Bima Bharosa - Call CenterAccessed 2026-10-09 · Cited at: bimabharosa.irdai.gov.in/Home/CallCenter, 'Connect with us'; bimabharosa.irdai.gov.in/Home/CallCenter, 'How Bima Bharosa Works'
4. IRDAI - Bima Bharosa
Bima Bharosa - FAQ/HelpAccessed 2026-10-09 · Cited at: bimabharosa.irdai.gov.in/Home/FAQ, Q3
5. IRDAI - Bima Bharosa
Bima Bharosa - HomeAccessed 2026-10-09 · Cited at: bimabharosa.irdai.gov.in home page notice 'Kind Attention for Complainants'
ClaimAssure is an independent private platform. It is not an insurer, IRDAI, Bima Bharosa or the Insurance Ombudsman, it never files anything on your behalf, and it cannot promise any outcome. What it does is read your documents and show you what they say.