Honest pricing. No fine print.
Every BimaHaq service is priced openly. Pick what fits your case. GST is not charged (we are not GST-registered) and will apply only if and when we register.
Zero success fee. Keep 100% of your claim.
Every service is a flat, fixed fee — never a percentage of your recovery. High-value / high-ticket claims are quoted individually, based on the complexity and value of each claim.
- No % of your claim
- No success / contingency fee
- Fixed price, shown upfront
Where are you in your claim journey?
Nine moments, nine different answers. Pick yours — every stage starts with the free check, and paid help appears only where it genuinely fits.
Pick the stage your claim is at — we'll show what actually helps at that moment. Not sure? The free Direction Check tells you in two minutes.
You haven't filed yet
Most claim problems are seeded at filing — wrong forms, missing documents, disclosures handled badly. This is the cheapest moment to get it right.
Free Claim Direction Check
Free
Two minutes, no login — an honest read on your direction before you file.
Claim Filing Assistance
₹999
A specialist checks your forms, documents and disclosures before the insurer sees them — offered only before you file.
Claim Strategy Call
₹1,999
High stakes — a death claim or a large amount? Talk it through with an expert before you file.
Filed, and waiting
Insurers run on regulated timelines. Knowing which clock applies to your claim — and when it breaches — is leverage.
Free Claim Direction Check
Free
The free check tells you which timeline applies to your claim and what breach looks like.
Bima Bharosa Filing
₹999
Timeline already breached? We prepare and file your grievance on the IRDAI Bima Bharosa portal with the full trail.
The insurer keeps asking for more
Endless document queries are often a delay in disguise. One complete, consolidated reply ends the loop — and starts a clock for the insurer.
Free Claim Direction Check
Free
The free check tells you whether the queries are legitimate and what answering them changes.
Claim Strategy Note
₹999
A written plan: exactly what to send, what it proves, and the missing-evidence checklist to close the loop once.
Survey or investigation underway
What you say to a surveyor or investigator shapes the outcome. Open investigations are judgment territory, not form-filling.
Free Claim Direction Check
Free
The free check flags whether your assessment is routine or needs expert attention.
Claim Strategy Call
₹1,999
An open investigation or a fraud allegation deserves a call with an expert before you respond.
Claim Strategy Note
₹999
For a routine survey: a written track of what to provide and what to insist on.
Rejected — the ground decides the remedy
A rejection for missing documents and a rejection for non-disclosure are different problems with different remedies. Name the ground first.
Free Claim Direction Check
Free
The free check names your rejection ground and the route it opens.
Claim Strategy Note
₹999
Document and process grounds: a written strategy — the issues, the evidence, the escalation route, the plan.
Claim Strategy Call
₹1,999
Non-disclosure, an alleged fraud, an ambiguous exclusion, or a large amount at stake — judgment calls need a call.
Paid less than the claim
Short-paid is not settled. Deductions have named grounds, and each ground can be tested — some survive scrutiny, many don't.
Free Claim Direction Check
Free
The free check reads your deduction reasons and tells you which are worth contesting.
Claim Strategy Note
₹999
A deduction-by-deduction audit with the ground to contest each one in writing.
Claim Strategy Call
₹1,999
A valuation fight or a discharge voucher you've already signed — talk to an expert before your next step.
Closed without settlement
Closure is the insurer's word, not the end of your remedies. What reopening takes depends on why it was closed.
Free Claim Direction Check
Free
The free check tells you what reopening your claim would take.
Claim Strategy Note
₹999
A written reopening strategy: the record to rebuild and the route to press it through.
Claim Strategy Call
₹1,999
Closed on judgment grounds — non-cooperation, non-disclosure? An expert reads it with you.
Grievance filed, insurer unmoved
A grievance the insurer ignores is not the end of the ladder — it is the qualifying step for everything above it.
Free Claim Direction Check
Free
The free check tells you when your grievance ripens into the next escalation.
Bima Bharosa Filing
₹999
Escalate the ignored grievance onto the IRDAI Bima Bharosa portal, where it is tracked and counted.
Claim Strategy Note
₹999
Escalating a filed grievance is written work — the issues, the evidence gaps, and the route to press it.
Weighing the Ombudsman or a consumer case
The forum choice matters more than it looks — once one forum is seized of your matter, others can be foreclosed. Choose once, and well.
Free Claim Direction Check
Free
The free check computes your limitation clocks and maps the forums still open to you.
Claim Strategy Call
₹1,999
Twenty minutes with an expert before you commit to a forum.
Legal Notice by an Advocate
₹2,999
Free ladder exhausted and set on legal action? An empanelled advocate drafts and signs the notice — the formal last word before a forum.
Legal Notice by a Supreme Court Advocate-on-Record
₹4,999
A death claim, or an amount past the Ombudsman's reach? The same notice drafted and signed by a Supreme Court Advocate-on-Record.
Sulah — Mediation Room
Free for policyholders
If both sides would rather settle than fight, Sulah mediates online — free for you as the policyholder.
Services
Pick a package, complete the secure intake, and pay via Razorpay (UPI, cards, netbanking) — or request a fixed, upfront quote for Ombudsman and consumer-court work.
Free Claim Direction Check
Five quick questions, an honest verdict, and your next steps — with an optional document-grounded deep read.
Try freeClaim Filing Assistance
File it right the first time — before your claim goes in. A line-by-line read of your policy schedule and terms, the correct claim forms and formats for your insurer, a personalised documents checklist, sub-limit and exclusion flags, and a plain-English filing plan reviewed by a claims specialist. Claims guidance only — not legal advice.
Get Started · ₹999Claim Strategy Note
Upload your claim documents and get a written Claim Strategy Note — where your claim stands, the evidence gaps, and your exact next steps — prepared with AI assistance and reviewed and approved by a BimaHaq claims specialist before it reaches you, within 5 working days. No call included, and nothing is drafted or sent to your insurer at this stage. Claims guidance only — not legal advice.
Buy Now · ₹999Claim Strategy Call
A 20-minute call with a BimaHaq claims specialist, scheduled within 5 working days, and everything in the Claim Strategy Note — walk through where your claim stands, what evidence is missing, and your exact next steps, with a written recap saved to your account. Nothing is drafted or sent to your insurer at this stage. Claims guidance only — not legal advice.
Book Call · ₹1,999Bima Bharosa Filing
Escalate to IRDAI the right way. We prepare your complete Bima Bharosa grievance — the complaint text, the supporting document set, and the correct complaint category — and assist you step by step through registering it on the portal, so your token number and the response clock start correctly. Claims guidance only — not legal advice.
Get Started · ₹999Ombudsman Case Assistance
Escalating to the Insurance Ombudsman? Documentation assistance for your complete complaint — official Annexure VI-A/VI-B, chronology and evidence set — supported by relevant case laws and your policy's terms and conditions. Custom-quoted by the complexity and value of your claim, fixed in rupees before you commit. Never a percentage of your recovery.
Get a custom quoteConsumer Court Case Assistance
Taking your dispute to the Consumer Commission (e-Jagriti)? Available in Pune, Nagpur, Bhopal and the Delhi NCR. Choose document preparation alone or end-to-end assistance, with an empanelled advocate where representation is needed. The platform fee is custom-quoted from ₹4,999 and disclosed upfront; the advocate's professional fee is billed separately. Never a percentage of your recovery.
Get a custom quoteLegal Notice by an Advocate
A formal legal notice to your insurer or the opposite party, drafted and signed by an empanelled advocate working with BimaHaq's insurance expertise — digitally executed where available. Share your claim paperwork after purchase (up to 10 documents or 30 pages); drafting is completed within 5 working days of advocate assignment, you review the draft with one correction round included before it is signed, and the signed notice is dispatched to the insurer by email and Speed Post with tracking — the executed copy and dispatch record appear in your account. A fixed professional fee — never a share of your claim, and no outcome is promised.
Buy Now · ₹2,999Legal Notice by a Supreme Court Advocate-on-Record
Your legal notice drafted and signed by an Advocate-on-Record of the Supreme Court of India, combined with BimaHaq's insurance expertise — including a 20-minute pre-notice consultation with the advocate, available on your request before the notice is drafted. Share your claim paperwork after purchase (up to 20 documents or 60 pages); priority drafting within 2 working days — counted from your pre-notice call when you request one, otherwise from advocate assignment. You review the draft with one correction round included before it is signed (digitally executed where available), and the signed notice is dispatched to the insurer's officers and Grievance Redressal Officer by email and Speed Post with tracking — the executed copy and dispatch record appear in your account. If the insurer responds within 60 days of dispatch, your Advocate-on-Record reviews the response once and records a short recommendation on your next step. A fixed professional fee — never a share of your claim, and no outcome is promised.
Buy Now · ₹4,999Three products, three moments — here's which one is yours
They are not three versions of one thing. Each serves one specific moment in the journey.
Before you file
Claim Filing Assistance
Forms, documents and disclosures checked by a specialist before the insurer sees them.
₹999
When the insurer's timeline has breached
Bima Bharosa Filing
Your grievance prepared and filed on the IRDAI Bima Bharosa portal, with the full trail.
₹999
When you need written direction
Claim Strategy Note
A structured note: the material issues, the missing evidence, the escalation route, the plan.
₹999
Two legal notices — what actually decides it
Both are customised, advocate-drafted notices with tracked dispatch. Two differences decide which one you need:
- 1.Drafted and signed by a Supreme Court Advocate-on-Record.
- 2.A 20-minute consultation before drafting, on your request — the call shapes the notice.
The tiles above carry each tier's full scope — drafting time, document limits and how the notice is dispatched.
Both sides would rather settle? Sulah — Mediation Room
Voluntary online mediation with a neutral, conflict-checked mediator — free for you as the policyholder; the insurer pays a fixed fee. The Insurance Ombudsman remains available as a free alternative.
How Sulah worksBimaHaq is an insurance claims review, claim audit, grievance-drafting, and online dispute resolution (ODR) platform. We help you review policies, audit and pursue insurance claims, draft grievances, and resolve disputes through mediation, and we run our Rights Club and Insurance Updates content. We are an independent platform — not an insurance company, broker, or IRDAI-licensed agent — and we do not sell insurance. BimaHaq is not a law firm, does not provide legal advice, and does not represent policyholders before Consumer Commissions; using BimaHaq creates no advocate–client relationship. Where legal representation is needed, it is provided by independent advocates whom you engage directly. No outcome is guaranteed; we provide expert operational support based on the merits of your matter. All AI-assisted drafts are human-reviewed.