Using BimaHaq as a policyholder

1. The big picture

Here is the whole path, from a claim problem to an outcome. You can stop at any point — nothing is automatic and nothing is guaranteed.

flowchart TB
  start(["Claim rejected, delayed or short-paid"])
  check[/"Run the free Claim Direction Check"/]
  worth{"Worth pursuing?"}
  open["Open a case or buy a service"]
  cm["Your case manager builds the grievance"]
  gro["Grievance goes to the insurer’s grievance officer"]
  resolved{"Insurer resolves it?"}
  escalate["Escalate: Ombudsman, Consumer forum or ODR"]
  done(["Settled or closed"])
  start --> check
  check --> worth
  worth -->|"yes"| open
  worth -->|"no — keep your papers safe"| done
  open --> cm
  cm --> gro
  gro --> resolved
  resolved -->|"yes, settled"| done
  resolved -->|"not yet"| escalate
  escalate --> done

2. Create your account & sign in

You can browse and run the free check without an account. To open a case you sign in first.

1. 1
   Create an account

   Pick “Policyholder”, enter your name, email and phone, and choose a password (or “Use magic link instead”).

   Create account /auth/signup
2. 2
   Give consent

   Tick the DPDP consent box and accept the Terms — both are required.

   DPDP consent + Terms /auth/signup
3. 3
   Verify your email

   Open the email we send and click the link. Email + password sign-up does not log you in until you verify.

   Resend verification email /auth/email-verify-pending

   → Your email is confirmed

4. 4
   Sign in

   Use Password, Magic link or Mobile OTP. If you set up two-factor, enter the 6-digit code.

   Sign in /auth/login

   → You land on your dashboard

3. The free Claim Direction Check

A 5-minute self-assessment. No login, no payment. It returns an honest verdict, three next steps, and a recommended service.

1. 1
   Open the free checker

   From the home page “Free Claim Direction Check”, or the Pricing page.

   Five minutes. Honest verdict. /eligibility-check
2. 2
   Pick your policy type

   Choose health, motor, life, property or travel; optionally tap your insurer.

   Continue /eligibility-check
3. 3
   Enter your details & consent

   Name, email, phone, and tick the DPDP consent box.

   DPDP consent /eligibility-check
4. 4
   Tell us the claim status & amount

   Pick where the claim stands and the rough amount band.

   Continue /eligibility-check
5. 5
   Describe what happened & submit

   Write a line or two (or use voice), then get your verdict.

   Get My Verdict /eligibility-check

   → A verdict, next steps and a Reference ID

flowchart TB
  s(["Open the checker"])
  p["1. Policy type"]
  y["2. Your details + consent"]
  st["3. Claim status"]
  a["4. Amount"]
  i["5. What happened"]
  v(["Verdict + next steps"])
  s --> p
  p --> y
  y --> st
  st --> a
  a --> i
  i --> v

4. Open a claim case (intake)

Case services like the Claim Readiness Audit (₹2,999) or the Claim Rejection Review (₹4,999) open a proper case: a 9-step form that captures your claim and documents, then a review and payment.

1. 1
   Start the intake

   Open Pricing, pick a case service, and click “Get Started”. We create a draft and open the form.

   Get Started /pricing
2. 2
   Fill steps 1–8

   Basic details, insurance type, insurer & policy, the claim problem, financials, timeline, what happened. Everything autosaves.

   Continue /intake/[draftId]

   → “Saved” shows after each step

3. 3
   Upload your documents

   Add your policy, claim form, and the rejection/repudiation letter. You can import from DigiLocker too.

   Continue to review /intake/[draftId]
4. 4
   Review everything

   Check each section; use the Edit links to fix anything.

   Step 9 of 9 · Review & pay /intake/[draftId]/review
5. 5
   Pay to open the case

   Proceed to payment; once paid, your case is created and a case manager is assigned.

   Proceed to Payment /intake/[draftId]/review

   → Your case opens

flowchart TB
  s(["Start intake"])
  f["Fill 8 steps autosaves"]
  u[/"Upload documents"/]
  r["Review"]
  ok{"All valid?"}
  pay["Pay — case opens"]
  e(["Case created"])
  s --> f
  f --> u
  u --> r
  r --> ok
  ok -->|"yes"| pay
  ok -->|"no — fix the flagged steps"| f
  pay --> e

5. Buy a specific service

Some services skip the full intake. The Claim Review (₹749) is a written review of your claim — AI-assisted, approved by a claims specialist, delivered the same business day; the Claim Review + Expert Call (₹1,499) adds a call with a claims specialist within 5 working days, plus a written recap. Neither includes drafting your grievance or legal notice — those are separate services.

1. 1
   Choose a service

   Browse the catalogue and pick a service.

   Pricing /pricing
2. 2
   Confirm the details

   For a call or document, pick your policy type, describe the issue in one line, and (for calls) a callback window.

   Proceed to pay /buy/[slug]
3. 3
   Pay securely

   Confirm the amount and pay via Razorpay.

   Confirm and pay /checkout/[orderId]
4. 4
   See your confirmation

   Copy the reference number and follow the button to track fulfilment.

   Copy /payment/success
5. 5
   Track delivery

   For a Claim Review, watch the status until it reads “Ready”, then read it.

   Ready /account/strategy-docs

flowchart TB
  pr(["Choose a service Pricing"])
  b["Confirm on the buy page"]
  pay[/"Pay securely Razorpay"/]
  ok{"Payment successful?"}
  s(["Confirmation + fulfilment"])
  f["Payment failed — try again"]
  pr --> b
  b --> pay
  pay --> ok
  ok -->|"yes"| s
  ok -->|"no"| f
  f -->|"retry"| pay

6. Track your case & talk to your case manager

Open a case from your dashboard to see its status, message your case manager, and add documents. The status pill shows where your claim stands with the insurer.

1. 1
   Open your case

   Click a case card; an unread badge shows new messages.

   Case card /dashboard
2. 2
   Read the overview

   The Overview tab shows the claim status and the key details.

   Overview /dashboard/cases/[caseId]
3. 3
   Message your case manager

   On the Messages tab, type and send. You can attach documents.

   Messages /dashboard/cases/[caseId]
4. 4
   Upload a requested document

   On the Documents tab, add the file the team asked for (PDF/JPG/PNG/DOC, max 10 MB).

   Documents /dashboard/cases/[caseId]
5. 5
   Correct your details (before filing)

   Use “Edit details” to fix a fact you entered — available only before your grievance is filed.

   Edit details /dashboard/cases/[caseId]

• Not filed — the claim isn’t lodged with the insurer yet.
• Filed — lodged; this is where a new case usually starts.
• Under review — the insurer is assessing it.
• Query raised — the insurer asked for more information.
• Delayed — the insurer is past its turnaround time.
• Partially approved — approved for less than you claimed.
• Rejected — denied; this is what you can challenge.
• Settled — paid or resolved in your favour.
• Closed — the case is closed (it can be reopened for a fresh dispute).

flowchart TB
  nf(["Not filed"])
  fi["Filed with the insurer"]
  ur["Under review"]
  rej{"Rejected or short-paid?"}
  gr["Grievance filed with your case manager"]
  esc["Escalate: Ombudsman / forum / ODR"]
  set(["Settled / closed"])
  nf --> fi
  fi --> ur
  ur --> rej
  rej -->|"yes — dispute it"| gr
  rej -->|"no — paid in full"| set
  gr --> esc
  esc --> set

7. Free document triage

When it’s switched on, the free triage reads your uploaded papers and returns a deterministic verdict and document gaps. If you don’t see it, use the free Claim Direction Check instead.

1. 1
   Open triage

   Follow the triage card on your dashboard (shown only when enabled).

   Free Claim Triage /account/triage
2. 2
   Upload your papers

   Add at least one file to “Issued by the insurer” and/or “Filed by you”.

   Continue /account/triage
3. 3
   Add details & consent

   Pick policy type, status and amount, describe the issue, and tick DPDP consent.

   Get my triage /account/triage
4. 4
   Read the verdict

   Review the verdict, document gaps, and next steps.

   Your next steps /account/triage

8. Get help — assistant & support tickets

Two ways to get unstuck. The assistant answers process questions on any public page. For anything about your account, billing or a site problem, open a support ticket.

1. 1
   Ask the assistant

   Open the chat bubble and ask how something works. It explains the process — it never gives a claim verdict.

   Assistant any public page
2. 2
   Open a support ticket

   Follow the Support card on your dashboard, then “New ticket”.

   New ticket /account/support
3. 3
   Describe the issue

   Pick a category, add a subject and description, and open the ticket.

   Open ticket /account/support

   → We reply within one working day

4. 4
   Reply and attach files

   Read our replies, respond, and attach a screenshot or document if it helps.

   Send reply /account/support
5. 5
   Close it when done

   Click “Close ticket” once you’re sorted.

   Close ticket /account/support

9. Your privacy & data rights

You control your data. These rights are self-service under India’s DPDP Act.

1. 1
   Correct your profile

   Fix your name, phone or preferred language and save.

   Save changes /profile
2. 2
   Export your data

   Request a copy; we email you when the JSON bundle is ready (available 24 hours after approval).

   Request export /profile/privacy
3. 3
   Delete your account

   Give a short reason and request deletion; an admin reviews it within 30 days.

   Request deletion /profile/privacy
4. 4
   Withdraw cookie consent

   Reset analytics/marketing consent anytime.

   Withdraw non-essential cookies /profile/privacy
5. 5
   Manage security

   Change your password, set up two-factor, and sign out other devices.

   Security /profile/security