How to File an IRDAI Bima Bharosa Complaint in 2026 (Full Walkthrough)
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.
Registration and form
Register on bimabharosa.irdai.gov.in with email and mobile (OTP verified), select the insurer, describe the grievance with dates, and attach documents. Note the reference number - it powers all tracking.
Prepare before you file
Policy number, insurer name, claim number, and a clear chronology. Attach the policy copy, rejection letter, correspondence, medical records, and payment receipts - vague complaints are slower.
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.