How to File an IRDAI Bima Bharosa Complaint in 2026 (Full Walkthrough)
The insurer is notified and must respond within 15 days. IRDAI reviews the response, and inadequate replies can be escalated further, including to the Insurance Ombudsman.
What Bima Bharosa is
The Integrated Grievance Management System (IGMS), now branded Bima Bharosa, is IRDAI's official portal for policyholder complaints. It is free, official, and carries regulatory weight - insurers respond seriously because IRDAI monitors it.
Speed-up tips
File only after the GRO route to avoid bounce-back; attach every document as evidence; write the grievance as a dated timeline; check status weekly with the reference number.
Experts pre-fill the form correctly, attach the right evidence, and track it through to resolution. See the complete claim recovery guide and IGMS filing assistance for free guidance.