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Insurance gives us a promise — that if something goes wrong, they’ll help. But what happens when that promise is broken? When does your legitimate insurance claim get delayed, rejected, or underpaid?
This is where Bima Lokpal (Insurance Ombudsman) steps in.
Bima Lokpal is a government-appointed authority under the IRDAI (Insurance Regulatory and Development Authority of India). It provides free and speedy justice to policyholders who are facing problems with insurance companies, like claim rejections, delays, wrong deductions, or policy mis-selling.
At CallMyCA, we help you file a complaint to the Bima Lokpal correctly, legally, and strongly — so that you get the justice you deserve without hiring a lawyer or going to court. We collect all your documents, draft the complaint in a professional format, and guide you through the entire process — from filing to hearing to resolution.
Whether it's health, life, accidental, or vehicle insurance, we’re here to help you get what’s rightfully yours.
Bima Lokpal is a zero-cost dispute resolution forum, and we make it effortless for you.
Most complaints are resolved within 30 to 90 days, compared to years in court.
Health, life, motor, personal accident, ULIPs, even mis-selling by agents — all can be addressed.
We write and file your complaint in plain, legal-ready language that gets attention.
You just give us your policy and claim details — we prepare the rest.
Insurers are more likely to settle when Bima Lokpal gets involved — we know how to present your case.
The Lokpal process is informal, paper-based (or virtual), and doesn’t require court attendance.
We check if your claim rejection has legal merit and advise whether Lokpal will likely favor you.
If the verdict favors you, we will help you ensure the insurance company implements it correctly.
Bima Lokpal is an Insurance Ombudsman appointed by the government, offering free and quick resolution of complaints against insurers. Unlike courts, it’s informal, fast, and does not require a lawyer. Most claims are decided based on documents, without any courtroom appearance.
You can file for:
Yes. You must file within 1 year from the date the insurer rejected your claim or gave an unsatisfactory response. If you miss this window, your case may not be accepted.
Yes. Bima Lokpal now accepts online filing via the www.cioins.co.in portal. We help you file both offline and online, depending on your comfort and needs.
Usually no. Most complaints are resolved based on documents. In rare cases, a video hearing may be scheduled. But don’t worry — we'll prepare you with what to say and send.
Not. The process is designed for ordinary citizens, not legal professionals. With CallMyCA’s help, you won’t need to spend anything on lawyers.
If your case is genuine and supported by documents, success rates are high. Insurers often settle to avoid negative rulings. We present your case to maximize approval chances.
In rare cases, if your complaint is outside the jurisdiction or late, Bima Lokpal may not accept it. We check this in advance and only file when there is a real chance of success.
Up to Rs. 30 lakh, depending on your policy type and claim. In most cases, the full claim amount is awarded if the rejection is proven unfair.
Bima Lokpal decisions are binding on the insurance company. If they fail to pay, IRDAI can take action, and we’ll help you escalate with a formal complaint to the IRDAI Grievance Cell.
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