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BIMA SAHAYAK INSURANCE ADVISORY
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.

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Rejected claimsDelayed payoutsShort settlements
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A partner in your corner

Thoughtful advice.
Focused claim support.

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Free Consultation

Share your policy and the insurer’s response with our team. Get a free initial review and clear guidance on the next steps for your insurance claim.

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STATUTORY FORUMS
STAGE 1 Insurer Grievance Redressal Officer (GRO) Filings
IRDAI ESCALATION IRDAI Bima Bharosa Portal Escalations
STATUTORY FORUM 17 Offices of the Insurance Ombudsman Across India
HEALTH MANDATE 60-Month Health Insurance Moratorium Enforcement
STATUTORY CODE Insurance Act Section 45 Life Claim Protection
FORENSIC AUDIT Hospital TPA Proportionate Deduction Audits
VALUATION DISPUTE Motor Constructive Total Loss (IDV) Recovery
STAGE 1 Insurer Grievance Redressal Officer (GRO) Filings
IRDAI ESCALATION IRDAI Bima Bharosa Portal Escalations
STATUTORY FORUM 17 Offices of the Insurance Ombudsman Across India
HEALTH MANDATE 60-Month Health Insurance Moratorium Enforcement
STATUTORY CODE Insurance Act Section 45 Life Claim Protection
FORENSIC AUDIT Hospital TPA Proportionate Deduction Audits
VALUATION DISPUTE Motor Constructive Total Loss (IDV) Recovery
Our Resources

We Stand With Policyholders Across India

Upfront registration fee
₹0
Insurance practice areas
for claim assistance
6
Initial case evaluation
within 24 hours
24h
Success fee, plus GST
pay only if we win
15%
Initial consultation
with our team
Free
Policyholder representation
across India
Pan-India
Our Proven Process

How Does Bima Sahayak Work For You?

From the first claim review to the final outcome, follow the six stages of our claim assistance process. Select a step to see how we support you.

01
Step One

Initial Claim Assessment

We start by thoroughly reviewing your rejected claim to understand the reasons behind the denial. Our experts analyze every detail to identify the issues and gather necessary documentation.

Action: Detailed Rejection & Denial Review
02
Step Two

Documentation Review

Our team examines all relevant documents and evidence related to your claim. We ensure that everything is complete and correctly presented to strengthen your case.

Action: Clinical Records & Policy Evidence Audit
03
Step Three

Issue Identification

We pinpoint any discrepancies or errors that led to the rejection. Our specialists address these issues by providing detailed explanations and additional evidence to support your claim.

Action: Error Pinpointing & Regulatory Citing
04
Step Four

Claim Reprocessing

With the revised documentation and resolved issues, we resubmit your claim to the insurance company. Our goal is to ensure that the claim is now in a stronger position for approval.

Action: Structured Insurer & GRO Resubmission
05
Step Five

Continuous Monitoring

We actively monitor the status of your claim and maintain regular communication with the insurance company. Our team works diligently to keep you updated and address any further concerns.

Action: Regular Follow-up & Customer Updates
06
Step Six

Final Resolution

Once your claim is approved, we provide a detailed summary and ensure that you receive the compensation you're entitled to. Our commitment is to resolve your claim successfully and to your satisfaction.

Action: Payout Received & Entitlement Honored

A clear process. Regular updates. No upfront registration fee.

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Why Bima Sahayak

Trusted by Policyholders Across India

We stand beside you at every step — from the first review to the final resolution.

Team of Industry Experts

Our experienced insurance consultants are equipped to address any issue you face with your policy — from rejections to mis-selling.

₹

No Upfront Charges

We don't charge any fee until your case is resolved. You pay only when we successfully recover your claim.

Customer-First Approach

We're committed to providing a hassle-free, personalised experience — your outcome is our priority at every step.

No Upfront Charges

Success Fee Calculator

No registration fee. You pay only if we recover your claim.

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₹50,000₹50,00,000
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No upfront cost to get started. We review and take up your case at no charge.

Success Fee 15% + GST

Charged only when your claim is successfully resolved. If we don't win, you don't pay.

Zero Upfront Fee
Pay Only On Recovery
GST at Prevailing Rates
Your estimated take-home amount
₹4,11,500

Indicative only. Success fee is charged solely on the amount actually recovered; if nothing is recovered, no fee is payable.

Your share · 82.3%Fee + GST · 17.7%
Claim amount recovered ₹5,00,000
Registration fee Free
Success fee (15%) − ₹75,000
GST on success fee (18%) − ₹13,500
Our Knowledge Cafe

Latest insights & perspectives

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

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A fresh start for your claim

Let’s take the next step, together.

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AI Regulatory Advisor

Search IRDAI Circulars, Moratorium Rules & Remedies

IRDAI Policyholder Protection: Once a health policy completes 60 continuous months, claims cannot be repudiated on grounds of non-disclosure or pre-existing disease. Type your specific issue above for tailored regulatory guidance.

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