IRDAI (the Insurance Regulatory and Development Authority of India) regulates insurers. When an insurer does not resolve your grievance, you escalate to IRDAI through the Bima Bharosa portal.
What Bima Bharosa is
Bima Bharosa (bimabharosa.irdai.gov.in) is IRDAI's public grievance portal — the successor to the Integrated Grievance Management System (IGMS). You register a complaint there and IRDAI takes it up with the insurer and tracks the resolution.
When to use it
Use Bima Bharosa after you have first complained to the insurer's Grievance Redressal Officer and either the insurer's 14-day resolution window has lapsed or the reply is unsatisfactory. It is a regulator-backed nudge, not an adjudication — it does not pass a binding award, but it often unlocks a stuck claim and creates a regulator-side record you can point to later at the Ombudsman.
What you need
- Your policy and claim numbers.
- The insurer's written rejection or grievance reply (or proof that the timeline lapsed with no reply).
- The complaint reference number the insurer gave you.
What comes after
If IRDAI/Bima Bharosa does not resolve it to your satisfaction, the next rung is the Insurance Ombudsman (free, binding award, up to ₹50 lakh), and after that the consumer commission via e-Jagriti (formerly e-Daakhil) or mediation under the Mediation Act, 2023.
Source: IRDAI (irdai.gov.in); Bima Bharosa (bimabharosa.irdai.gov.in). Last reviewed 2026-07-05.