Glossary

Bima Bharosa

Also called IGMS, IRDAI grievance portal.

The regulator's online portal for registering complaints against insurers.

Bima Bharosa is IRDAI’s complaints portal. A policyholder can register a grievance there if the insurer has not resolved it, or has not responded within a reasonable period.

Using it is a step in the escalation route rather than a substitute for complaining to the insurer first — and it is not a precondition for approaching the Insurance Ombudsman.

Related terms

  • Grievance redressal The defined route for complaining, and for escalating when a complaint is not resolved.
  • Insurance Ombudsman An independent forum that decides policyholder complaints, free of charge.
  • IRDAI The Insurance Regulatory and Development Authority of India, the sector's regulator.

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