Your insurer has a claims department. Now you have BimaHaq.
Rejected. Delayed. Underpaid. Whatever your claim story, our claims specialists and ex-insurer experts know the right next move — and where a matter needs a lawyer, an empanelled advocate handles it. We tell you which, in plain English.
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
Free Claim Direction Check
Quick assessment of whether your claim issue is worth fighting.
- 5-minute self-assessment
- Heuristic verdict
- 3 next-step recommendations
Deliverable: On-screen verdict + email summary
Start Free CheckClaim Filing Assistance
File it right the first time — before your claim goes in, including a line-by-line read of your policy.
- Line-by-line policy read + sub-limit map
- Correct forms + documents checklist
- Mis-selling indicators
- Plain-English report + filing plan
Deliverable: Action plan + filing kit
Get Filing HelpClaim Strategy Note
A written review of your claim by a specialist — where you stand and your exact next steps.
- Specialist-approved written review
- Evidence gaps + next steps
- Delivery within 5 working days
Deliverable: Written Claim Strategy Note in your account
Get My Claim Strategy NoteBima Bharosa Filing
Escalate to IRDAI the right way — your complete Bima Bharosa grievance, prepared and filed with you.
- Complaint text + document set
- Correct complaint category
- Step-by-step portal filing assistance
Deliverable: Registered grievance + token number
File on Bima BharosaOmbudsman & Consumer Court Packages
Custom-quoted escalation packages — documentation with supporting case laws and policy terms; consumer-court work in Pune, Nagpur, Bhopal and the Delhi NCR.
- Custom quote, disclosed upfront
- Case laws + policy T&Cs cited
- Advocate engaged where needed (fees separate)
Deliverable: Quoted per case — never a % of your claim
Get a Custom QuoteReady 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.