Bima Bharosa portal for insurance grievances: Step-by-step process to register an insurance-related grievance

Bima Bharosa has been launched by the Insurance Regulatory and Development Authority of India (Irdai) to serve as an online platform for grievance redressal of insurance policyholders. Here’s a step-by-step process to register an insurance-related grievance on the portal.

Accessing Bima Bharosa
It can be accessed at https://bimabharosa. irdai.gov.in/. New users need to create an account by clicking on ‘Register’ button and filling in the required information, such as name, contact details and e-mail address. Existing users can log in using their credentials.

Grievance form
After logging in, navigate to the 'Grievance' section, and click on 'Register New Grievance'. Fill the grievance form with the following details:

• Policy number.
• Insurance company name.
• Type of grievance. This should be chosen from the categories provided, such as claim settlement issues, policy servicing, etc.
• A detailed description of the grievance should be provided.
• Any relevant documents that support the grievance, such as claim forms and correspondence with the insurer, should be uploaded.

The user can review and submit the grievance, after which an acknowledgement receipt with a unique grievance ID will be allotted.

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Tracking grievance
The status of the grievance can be tracked using the unique grievance ID provided in the acknowledgment receipt. The user should log in to the portal and navigate to the ‘Track Grievance’ section to view updates on the complaint.

Resolution
The IRDAI ensures that all grievances are addressed in a timely manner. The insurance company is required to respond and resolve the issue within a stipulated time frame. Notifications regarding the resolution will be provided through the portal and via e-mail.

Content courtesy Centre for Investment Education and Learning (CIEL).
Contributions by Girija Gadre, Arti Bhargava and Labdhi Mehta.