Question 1

What does BimaHaq actually do?

Accepted Answer

BimaHaq is an advocacy and resolution platform for insurance claims. We review your policy, audit your claim, draft grievances, and pursue the matter through IRDAI, the Insurance Ombudsman, and the consumer forum until the money lands in your account.

Question 2

Are you an insurance company, broker, or agent?

Accepted Answer

No. We are not licensed to sell or distribute insurance products. We are an independent advocacy service. We work for policyholders, hospitals, lawyers, and TPAs.

Question 3

Which types of policies do you handle?

Accepted Answer

Health, motor, life, property, travel, marine, and most other general lines. If you have a policy and a dispute, we can help.

Question 4

Where are you based?

Accepted Answer

Our office is at WeWork Rajeha Woods, Kalyani Nagar, Pune. We work remotely with policyholders across India.

Question 5

Who founded BimaHaq?

Accepted Answer

Our founding team brings together legal expertise from NLIU Bhopal, insurance industry experience from a leading public-sector general insurer, an MBA from IIM Calcutta, and in-house legal practice at a major public-sector enterprise.

Question 6

Is the Claim Direction Check really free?

Accepted Answer

Yes. The free Claim Direction Check (our claim eligibility check) is a heuristic self-assessment with no payment or login required. You will receive an instant verdict and three next-step recommendations.

Question 7

What is included in the ₹2,999 Claim Readiness Audit?

Accepted Answer

A pre-filing audit of your claim: a line-by-line read of your policy schedule and terms, a sub-limit map, mis-selling indicators, and a plain English report with your filing plan.

Question 8

How much does Claim Dispute Resolution cost?

Accepted Answer

A flat ₹15,000 for end-to-end Claim Recovery Assistance — no success fee and no surprise charges. You pay the same fee shown at checkout.

Question 9

Do you offer refunds?

Accepted Answer

Yes. If we have not started work on your case within 7 days of payment, you can request a full refund. After work starts, refunds are pro-rated. See /legal/refund-policy.

Question 10

Are GST and taxes included?

Accepted Answer

GST is not charged (we are not GST-registered) and will apply only if and when we register.

Question 11

How long does a typical case take?

Accepted Answer

Grievance drafting: 48 hours. Ombudsman complaints: 3 to 6 months. Consumer forum: 6 to 18 months. We give you a realistic timeline at the start.

Question 12

What documents do I need to share?

Accepted Answer

Policy document, claim form, hospital bills or motor estimates, rejection letter (if any), and any prior correspondence with the insurer.

Question 13

Can you guarantee my claim will be paid?

Accepted Answer

No. Anyone who guarantees an outcome is lying. We can guarantee diligent advocacy and clear status updates.

Question 14

Can I escalate to the Insurance Ombudsman myself?

Accepted Answer

Absolutely. The Ombudsman is free. We make it faster and stronger, but you can file on your own — we will help you understand how. See our blog post on Ombudsman escalation.

Question 15

What if my claim is below ₹50 lakh?

Accepted Answer

Most individual claims fall here. The Insurance Ombudsman is your primary venue and orders are binding on the insurer.

Question 16

Do you appear in consumer forum hearings?

Accepted Answer

Yes, for matters we draft. We can also brief a local counsel of your choice.

Question 17

Is my claim data safe with BimaHaq?

Accepted Answer

Yes. We follow the Digital Personal Data Protection Act 2023 and IRDAI Information and Cyber Security Guidelines 2023. Data is encrypted in transit and at rest. Access is role-based.

Question 18

Will my data be sold or shared?

Accepted Answer

Never. We never sell personal data. We share data only with the insurer or regulator when needed to pursue your case — and only with your written consent.

Question 19

How long do you retain my data?

Accepted Answer

Active cases: for the duration of the engagement plus 3 years for compliance. You can request erasure earlier — see /legal/privacy-policy.

Question 20

Where is the data stored?

Accepted Answer

In India, on cloud infrastructure that meets DPDP and IRDAI localization requirements.

Question 21

What about EU and California visitors?

Accepted Answer

EU visitors get GDPR rights (access, rectification, erasure, portability, objection). California visitors get CCPA rights. See our Privacy Policy for the contact path.

Question 22

Are BimaHaq's opinions legal opinions?

Accepted Answer

Our opinions are professional opinions prepared by qualified lawyers. They are not a substitute for personal legal advice for litigation in your specific forum.

Question 23

Can you file court cases?

Accepted Answer

We draft pleadings and brief counsel. Court appearances are made by enrolled advocates we work with.

Question 24

Are AI tools used in your work?

Accepted Answer

We use AI to assist drafting and research. Every output is reviewed by a qualified human before it is sent to you.

Question 25

What if BimaHaq makes a mistake on my case?

Accepted Answer

We carry professional indemnity. If we err, we will own it, fix it, and compensate you in line with our terms of service.

Question 26

Why are you not an insurance broker?

Accepted Answer

Brokers are paid by insurers. We are paid by policyholders and businesses. Our incentives must remain aligned with you.

Quick answers. Plain English.

General

Pricing

Claims Process

Privacy & Security

Legal Position