Help your clients win claims.
You sell the policy. We help your clients win their claims. Independent reviews, grievance drafts, and Ombudsman escalations — handled cleanly so your client trusts you for the next renewal.
Your rights as a policyholder
Extended Free-Look Period
30 days from the date you receive the policy document, with full refund (minus risk and stamp duty adjustments). Backed by IRDAI's Protection of Policyholders' Interests Regulations 2024.
Mandatory Nominations
Nominations are now mandatory across life, health, and general insurance. Insurers must collect and record nominees at issuance.
Clear Policy Documentation
Policy documents must be issued in electronic format with a minimum font size of 11. Terms must be in plain language wherever possible.
Standardized Exclusions
Exclusions are now classified as standard, specific non-waivable, and optional — giving you clarity on what is and is not covered.
Robust Grievance Redressal
Insurers must respond to grievances within 30 to 45 days, with mandatory escalation pathways to IRDAI and the Insurance Ombudsman.
Services tailored for you
Agent Helpdesk (Annual)
Priority claim-resolution support for your clients across the year.
- Unlimited grievance drafts for your clients
- Direct line to a senior reviewer
- Quarterly carrier-side strategy briefings
- Free 5 client claim reviews/yr
Deliverable: Annual retainer — start anytime
SubscribeClient Claim Assistance
Hands-on help on a single client's claim — review, grievance, Ombudsman strategy.
- Claim review report
- Drafted grievance letter
- Escalation pathway with timelines
Deliverable: Case file in 5 working days
Lodge a client caseFree Claim Direction Check
Send your clients here for a quick second-opinion before paying out of pocket.
- 5-minute self-assessment
- Heuristic verdict
- Next-step recommendations
Deliverable: Shareable result page
Open Claim Direction CheckReady to move forward?
Talk to a BimaHaq specialist. We will tell you, in plain English, whether your case is worth fighting and what it will take.