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To enable effective monitoring of Policyholder protection Regulations and Grievance Guidelines and Turn around times thereby mandated, as well as to create a central repository of industry-wide insurance grievances’ data, IRDAI has implemented the IGMS Bima Bharosa (an Integrated Grievance Management System known). IGMS IRDAI Portal provides a gateway to register complaints with insurance companies and track their status. It uses Web interface to ensure that it is accessible at all places and is on real time. It has also a mechanism to capture complaints received in physical as well as email form or voice calls received by IGMS IRDAI Grievance Call centre (IGCC).

IRDAI Grievance Call Centre (IGCC) can be accessed through helpdesks@igmsirdai.com through e-mail. The IGMS IRDAI also provides details of the redressal systems of insurance companies whenever policyholders require them. Further, the IGMS IRDAI also educates policyholders about the Insurance Ombudsman who provides a channel for fair disposal of complaints falling within the jurisdiction laid down.

Registration of Complaints in Bima Bharosa System by Policyholders:

Can directly register complaint in the IGMS IRDAI Grievances Portal - https://igmsirdai.com/ on Register Complaint section.

Can send the complaint through Email to helpdesks@igmsirdai.com.

Apart from the above options, if it is felt necessary by the complainant to send the communication in physical form, the same may be sent to IRDAI addressed to:

General Manager

Insurance Regulatory and Development Authority of India(IRDAI)

Policyholder's Protection & Grievance Redressal Department – Grievance Redressal Cell.

Sy.No.115/1, Financial District, Nanakramguda, Gachibowli, Hyderabad – 500 032.

Only complaints from the insured or the claimants shall be entertained. The Cell shall not entertain complaints written on behalf of policyholders by advocates or agents or by any third parties.

Complainants are requested to submit complete details of the complaint as required in the complaint registration form. *Click here to download the Complaint Registration Form and send on E-Mail: helpdesks@igmsirdai.com Without the required information called for in the Complaint Registration Form, IRDAI will not be in a position to register the complaint.

Once the complaint is registered in to IGMS IRDAI Portal , then details of complaint are passed on to respective insurance companies. Policy holder receives the confirmation email after registering the complaint along with IGMS IRDAI.

In all cases of Escalated complaints, a provision is made for the complainant to post his feedback after the Insurer has given the final resolution.

IGMS IRDAI GRIEVANCES PORTAL

Registered Complaint

Complaint Redressal Forum