Insurance complaints should be resolved within 14 days: government highlights Bima Bharosa process
The government has reiterated that insurers must acknowledge complaints immediately and resolve them within 14 days, with escalation available through IRDAI’s Bima Bharosa system.
What changed
The government highlighted the integrated grievance process under Bima Bharosa and the expectation that insurers resolve complaints within 14 days after immediate acknowledgement.
Why it matters
A clear escalation path helps policyholders document delays and move unresolved grievances beyond the insurer’s internal grievance redressal officer.
Who is affected
Life, health and general insurance policyholders, insurers, agents and grievance teams.
Action required
First lodge the complaint with the insurer and retain acknowledgement/reference details. If the response is unsatisfactory or unresolved, use IRDAI’s official grievance channel/Bima Bharosa as applicable.
What happened
The government has reiterated that insurers must acknowledge complaints immediately and resolve them within 14 days, with escalation available through IRDAI’s Bima Bharosa system. Insurers are expected to acknowledge complaints immediately. The stated resolution period is 14 days. Policyholders first approach the insurer’s grievance redressal mechanism and can escalate through IRDAI/Bima Bharosa.
Why it matters
Complaint resolution timelines do not guarantee that every claim will be accepted; they govern grievance handling. Policy wording, exclusions and evidence continue to determine the underlying claim outcome. A clear escalation path helps policyholders document delays and move unresolved grievances beyond the insurer’s internal grievance redressal officer.
What readers should do
First lodge the complaint with the insurer and retain acknowledgement/reference details. If the response is unsatisfactory or unresolved, use IRDAI’s official grievance channel/Bima Bharosa as applicable.
Finin2min verification note
Use only official IRDAI/insurer channels and beware of unofficial grievance agents seeking payments or sensitive credentials. The source link above is the evidence anchor for this story. Where the item is a consultation, proposal or policy speech, it is expressly labelled as such and is not presented as final law.
Date relevance check
Fresh 14 August government explainer of an established IRDAI grievance framework; do not describe the 14-day rule as newly introduced on 14 August.
Read the official source →
Educational and professional reference only — not financial, tax or legal advice. Confirm the current official position from the primary source before acting on any figure, rate, provision or deadline.