If your claim is delayed, a refund hasn’t arrived, or a policy change was handled poorly, the Bima Bharosa portal gives you a formal, time-bound path to resolution. It’s IRDAI’s upgraded, regulator-monitored system that replaced the older IGMS and pipes every complaint simultaneously to your insurer and IRDAI’s repository, so status changes are mirrored and visible to you. IRDAI’s consumer affairs page and the portal FAQs spell this out clearly, alongside helpline and email options for those who prefer offline routes.

The new push on grievance timelines

Once you lodge a complaint, it first goes to the insurer’s grievance team under defined turnaround times. If resolution lags or you’re unhappy with the reply, it can be escalated—up to the Insurance Ombudsman—through the same trail. In 20

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