Insurance claims. Human support.

Your claim deserves
a fair review.

A rejected claim shouldn’t leave you without a way forward. We help you understand the decision, strengthen your documents, and take the next step.

Get a free case review Explore our services

Insurance claims. Human support.

A client and adviser shaking hands across a desk

A partner in your corner
Focused claim support.

Thoughtful advice.
Focused claim support.

Here to help

Know your rights

REJECTED CLAIMSRequest a case review

INSURANCE OMBUDSMANExplore resolution options

DELAYED PAYOUTSFind your next step

INSURER GROFirst - stage grievance support

IRDAI BIMA BHAROSAGrievance escalation

POLICY CLARITYUnderstand your cover

Insurance practice areas

Life Insurance

Non - disclosure allegations

General Insurance

From survey reports to settlement calculations, we help you organise the documents and understand the differences.

Health Insurance

Pre - existing disease objections. Room - rent and proportionate deductions. Cashless approval denied or delayed.

Term Insurance

Delays in death - claim settlement. Nominee and paperwork issues.

Travel Insurance

Delayed fire, travel or property claims

Car Insurance

Total - loss and IDV valuation disputes. Surveyor deductions.

About Bima Sahayak

We stand with
policyholders across India.

Support for rejected, delayed or short - settled claims - with clear fees, careful review and a team that takes the time to listen.

₹0

Upfront registration fee

No registration fee to get started.

24h

Initial case evaluation

Initial case evaluation within 24 hours.

18%

Success fee + GST

Plus GST, only on the amount recovered.

Free

Initial consultation

A first conversation with our team.

How it works

Simple to start. Clear on cost.

Tell us
Share your policy, the insurer’s response and what concerns you.
We review
We take a fresh look at your documents and the reasons given.
Prepare & assess
We organise the evidence and explain the options for your claim.
Work towards resolution
We support the next steps and keep you informed throughout.

Health, life & general insurance

Thoughtful advice.
Focused claim support.

Health claims

Share your policy, hospital bills and the insurer’s response. We help you understand the disputed points.

Life & term claims

We review the policy, supporting records and reasons given by the insurer, with clear guidance for the next step.

Motor & general claims

From survey reports to settlement calculations, we help you organise the documents and understand the differences.

Know your cost before you start.

No registration fee. The 18% success fee applies only to the amount recovered.

How much do you expect to recover?

Type an amount, move the slider or choose a preset.

Ten lakh rupees

₹50,000₹50,00,000

RegistrationFree · ₹0On recovery only18%

No upfront feeFee only on recovery

Your estimated amount after fees

You would receive about

₹8,20,000

Your shareSuccess fee · 18%

Amount recovered: ₹10,00,000
Registration fee: Free
Success fee (18%): - ₹1,80,000

Fees shown are exclusive of GST. GST will be applicable as per prevailing rates.

Indicative only. The fee applies solely to the amount actually recovered. If nothing is recovered, no success fee is payable.

Get a free consultation

Knowledge Cafe

Latest insights & perspectives

Insurance claim guidance, court rulings, and regulatory updates, explained simply.

Court Ruling01

Buying a New Car or Bike? The Supreme Court Just Changed Your Insurance Rules

By Bima Sahayak Legal Research Desk·5 min read

The Supreme Court has directed IRDAI to extend mandatory long - term third - party insurance for newly purchased vehicles - from 3 to 4 years for cars, and 5 to 6 years for two - wheelers. Here's what's changing and what it means for vehicle owners.

Read article ↗

Court Ruling02

When a Consumer Complaint Becomes a Criminal Investigation: Inside the Sayona Colors Insurance Fraud Case

By Bima Sahayak Legal Research Desk·6 min read

Most insurance disputes end in a consumer forum. The Supreme Court's 2026 ruling in United India Insurance Co Ltd v. Sayona Colors Pvt Ltd took a very different path - ordering a Special Investigation Team to probe a suspected fraudulent fire insurance claim.

Read article ↗

Court Ruling03

Kerala High Court Clarifies Insurance Ombudsman's Binding Powers Over Insurers

By Bima Sahayak Legal Research Desk·5 min read

The Kerala High Court has clarified the scope of authority held by the Insurance Ombudsman, reinforcing that Ombudsman awards are binding on insurers and must be honored within 30 days.

Read article ↗

Court Ruling04

5 Landmark Court Rulings That Changed How Insurers Must Treat Indian Policyholders

By Bima Sahayak Legal Research Desk·8 min read

Five landmark judgments quietly reshaping India's insurance law - covering impossible policy conditions, uncommunicated exclusion clauses, material non - disclosure, and arbitrary deductions.

Read article ↗

IRDAI Regulation05

Claim Denied for Pre - Existing Disease? What the 60 - Month Moratorium Period Protects You From

By Bima Sahayak Legal Research Desk·7 min read

One of the most common reasons health insurance claims get rejected in India is insurers disputing what you disclosed years earlier. IRDAI's reduced 60 - month moratorium provision exists to stop this practice.

Read article ↗

IRDAI Regulation06

Cashless Everywhere: How IRDAI's 1 - Hour & 3 - Hour Hospital Approval Rules Actually Work

By Bima Sahayak Legal Research Desk·6 min read

IRDAI's 'Cashless Everywhere' initiative and Master Circular mandate 1 - hour cashless pre - authorization and 3 - hour final discharge approvals across Indian hospitals.

Read article ↗

View all articles ↗

Let’s take the next step, together.

Reach us in one tap, or leave your number and we’ll call you back.

Your claim deserves
a fair review.

From claim concerns
to a clearer plan.