13 Lakh Claims Stuck: Is Your Insurer Ignoring You?

IRDAI has declared November 2026 as Grievance Resolution Month for insurance policyholders. If your claim or complaint is stuck, this is the official window to escalate it — for free — and get a response.

Here's what happened: IRDAI has designated November 2026 as Grievance Resolution Month, directing all insurers to actively resolve pending policyholder complaints during this period.. Over 13 lakh insurance cases remain unresolved nationally, with approximately 11 lakh of them being motor accident claims pending before Motor Accidents Claims Tribunals.. The initiative targets the large backlog of claim disputes and service complaints that policyholders have been unable to resolve through normal insurer channels..

What you should do: File or re-escalate your pending insurance complaint on IRDAI's Bima Bharosa portal (bimabharosa.irdai.gov.in) before October ends to ensure it falls within the November resolution window.. Call IRDAI's toll-free helpline 155255 to check the status of any existing grievance and request prioritisation under the Grievance Resolution Month drive.. If your insurer has not responded within 15 days of a written complaint, escalate immediately to the Insurance Ombudsman — the process is free and decisions are binding on insurers up to ₹50 lakh..

Always send your complaint to your insurer via email — not just through an agent or verbally. The 15-day response clock starts only from the date of written acknowledgement, and email timestamps are your legal proof.

For complaints against banks or NBFCs, our RBI complaint guide explains the free RB-IOS 2026 route.