Insurance works when the claim does.
BimaHaq is a claims-assistance platform in Pune. When a health, life, motor or property claim is rejected, delayed or paid short, we prepare it properly — the file, the letters, the complaint — for a fixed fee you see before you pay.
You file in your own name. Where an advocate's work is needed, an independent empanelled advocate signs it under their own name. We take no share of your claim and make no promise about the outcome.
A form nobody could fill in
Insurance only means something on the day a family needs it to pay. One of us saw that day many times.
- Inside the insurer
Close to a decade, one state, more than 10,000 claims
Our insurance founder headed a general insurer's state-wide operations for close to a decade. He handled more than 10,000 claims personally, across lines of business, and followed them wherever they went — from the consumer court to the Supreme Court of India, through the Insurance Ombudsman, arbitration, and regulatory reporting and compliance.
- The day the paperwork won
The cover existed. The paperwork stood in the way.
Under schemes like the Pradhan Mantri Suraksha Bima Yojana, he watched people who could not read trying to complete forms and obtain succession certificates for money that was already theirs. He had seen insurance safeguard lives — and here it was failing at the one moment that mattered.
- The idea
Someone who knows how a claim is read, sitting on your side of the desk
What those families needed was not more insurance. They needed their claim prepared by someone who knew exactly how it would be read on the other side — and the courage to tell them, plainly, where it stood. That is the platform we built.
Two careers spent inside the claims process
Both founders read law at a National Law School. Between them: a general insurer's state-wide operations, and more than a decade of litigation, negotiation and arbitration.
Co-founder · Insurance operations & law
Close to a decade heading a general insurer's state-wide operations, and more than 10,000 claims handled personally across lines of business. Law at a National Law School, then an MBA from the Indian Institute of Management, Calcutta.
Has handled claims through
- Supreme Court of India
- High Court
- National Consumer Commission
- Insurance Ombudsman
- Motor Accident Claims Tribunals
- Arbitration
- See the full map
What this means for you
The way we prepare a file was designed by someone who spent years reading claims on the insurer's side.
Co-founder · Litigation, negotiation & regulatory
Has practised as an advocate and worked as corporate counsel, with over a decade in litigation, negotiation, regulatory management and arbitration across all courts. Law at a National Law School. His habit is to simplify a tangled dispute until a negotiated, mutually beneficial outcome becomes visible.
Experience across
- Litigation
- Negotiation
- Regulatory management
- Arbitration
- Corporate counsel
- claims handled personally by our insurance founder
- 10,000+
- heading a general insurer's state-wide operations
- Close to a decade
- of litigation, negotiation, regulatory management and arbitration
- 10+ years
Where the experience was earned
Our insurance founder has worked across each of these. Knowing where a claim can go next is half of preparing it.
Consumer forums
- Consumer courts
- State Consumer Commission
- National Consumer Commission
Courts & tribunals
- Motor Accident Claims Tribunals
- Civil courts
- High Court
- Supreme Court of India
Other routes
- Arbitration
- Insurance Ombudsman
- RTI
- Grievance handling
Regulatory
- Regulatory reporting & compliance
- IRDAI compliance
That is experience of how these forums read a file — not an offer to appear in them. You file in your own name.
We prepare. You file. In your own name.
Tell us
Share your claim story and documents through the free Claim Direction Check or the intake form.
We read
A specialist reads the policy, the rejection and the file, and writes down what the clauses and the rules say.
We prepare
We draft the grievance, the Ombudsman complaint or the case bundle, at a fixed fee shown before you pay.
You file
You file it in your own name, and we tell you what the next step is and when it falls due.
The line we keep
BimaHaq is not a law firm and does not represent you. Where a matter needs an advocate, an independent empanelled advocate takes it on under their own name and responsibility. Our fee is fixed and shown before you pay; it is never a share of your claim.
The promises we refuse to make
A claims-assistance service earns trust by what it will not say. These are our limits, in writing.
No success fee
Our fee is fixed and shown before you pay. It does not rise if the claim is paid.
No share of your claim
Every rupee the insurer pays is yours. We take no percentage, no cut, no commission.
No outcome guarantees
The insurer, the Ombudsman or the forum decides. We prepare; nobody can promise the result.
BimaHaq never speaks in your place
You file in your own name. Where an advocate is needed, an independent empanelled advocate acts under their own name and responsibility.
No commissions from insurers
We take no commission or referral fee from any insurer, so nothing pays us to steer your claim.
No insurance sales
We do not sell policies. BimaHaq is not an insurer and not an IRDAI-registered intermediary.
Mission, vision, motto — and three commitments
Our mission
Make every rightful claim outcome reachable — in plain language, at a fixed fee, with no fear of the fine print.
Our vision
An India where no genuine insurance claim is abandoned because the process defeated the person — where policyholders negotiate from knowledge, not hope.
Our motto
Claim Se Calm Tak — from the stress of a stuck claim to the calm of a fair resolution.
Independence
We do not earn commissions from insurers. Our incentives stay aligned with you.
Plain English
We write the way we speak. No 'heretofore'. No 'inter alia'.
Honest about the odds
When a claim is weak, we say so plainly — and we put it in writing.
Our home base
BimaHaq, WeWork Raheja Woods, 1st to 5th, BLD No. 8, Sr. No. 222/1, Central Avenue, Kalyani Nagar, Pune, Maharashtra – 411006.
Get in touch