IGMS Complaint Filing: The Step-by-Step 2026 Guide
File only after the GRO route to avoid bounce-back; attach every document as evidence; write the grievance as a dated timeline; check status weekly with the reference number.
When to file
After the insurer's Grievance Officer fails to resolve within 15 days, when the insurer's reply is unsatisfactory, for claim settlement delays beyond mandated timelines, or for unfair rejections and partial settlements.
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.
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.