Your insurer has lawyers. Now you do too.
Rejected. Delayed. Underpaid. Whatever your claim story, BimaHaq's lawyers and ex-insurer specialists know the right next move — and we tell you 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 Readiness Audit
Make sure your claim is bulletproof before you file it — including a line-by-line read of your policy.
- Line-by-line policy read + sub-limit map
- Mis-selling indicators
- Document checklist review
- Pre-authorisation strategy
- Hospital coordination notes
- Plain English report + filing plan
Deliverable: Action plan + filing kit
Audit My ClaimClaim Rejection Review
Written legal opinion on whether your rejection holds up.
- Clause-by-clause challenge
- Precedent citations
- Grievance draft included
Deliverable: Opinion letter in 5 working days
Challenge RejectionGrievance Drafting
Professional grievance letter to insurer / IRDAI / Ombudsman.
- Custom drafting
- TAT citation
- Escalation roadmap
Deliverable: Final letter within 48 hours
Draft My GrievanceClaim Recovery Assistance
End-to-end pursuit until the money lands in your account.
- Strategy + filings
- Ombudsman representation
- Consumer forum drafting
Deliverable: Full case management
Recover My ClaimReady 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.