The Insurance Regulatory and Development Authority of India (IRDAI) has introduced a draft for a new rule aimed at making insurance claim complaints faster and easier to solve. The draft, called the Internal Insurance Ombudsman Guidelines 2025, was released on July 24, 2025.What’s the Big Change?Under this new rule, every insurance company that has been operating for more than three years must appoint an internal ombudsman. This person will handle customer complaints related to insurance claims up to ₹50 lakh. The goal is to solve problems inside the company quickly so customers don’t have to wait long or go to outside offices or courts.How Will It Work?Each insurance company will have at least one internal ombudsman. If needed, companies can appoint more ombudsmen for different regions to speed things up. These ombudsmen will report directly to the Managing Director (MD) or CEO for daily work, but for important matters, they will be accountable to the company’s Board or a special committee focused on protecting policyholders. This system is meant to keep the ombudsman independent and trustworthy.Why Is This Important?The new rules aim to build trust between customers and insurance companies by making complaint handling quicker and more fair. It will reduce delays in settling claims and avoid long legal battles. Insurance companies will also become more responsible for solving customer problems.Details and FeedbackThe draft includes details like the qualifications, job term, salary, and duties of the internal ombudsman. IRDAI is welcoming suggestions and feedback from the public until 5 PM on August 17, 2025. The draft can be found on IRDAI’s official website.This move is part of IRDAI’s bigger plan to protect insurance policyholders and make the system work better for everyone.

Your Money, Your Future - Now Cheaper!Hey everyone, get ready for some game-changing news that's going to put more money back in your pocket and supercharge your financial security! The 56th GST Council meeting just dropped a massive bomb of good news for every Indian – and it's especially sweet for your health and life insurance!Forget the fireworks for Diwali, because the real "Diwali bonanza" is this: NO GST on individual health and life insurance policies starting September 22, 2025! 🎉That's right, you heard it correctly. From an 18% burden to absolutely ZERO PERCENT!The Big Reveal: What's Changing & How It Affects YOU!For far too long, that 18% GST on insurance premiums felt like an extra tax on securing your future. It made essential protection feel like a luxury. But not anymore!Here’s the breakdown of what becomes 0% GST:Health Insurance: This includes your individual policies, family floater plans, and senior citizen policies.Life Insurance: From crucial term life and endowment plans to your investment-linked ULIPs.What does this mean in plain English?If you renew or buy any of these policies on or after September 22, 2025, you could see your premium drop by almost 18% immediately! Imagine that – saving nearly one-fifth of your insurance cost, just like that! This isn't just a tax cut; it's a monumental step towards making vital financial and health protection accessible to every single one of us.Why This Is HUGE for India (And YOU!)India has always struggled with low insurance penetration. A big reason? The cost. The government's bold move to make insurance GST-free is a direct shot at fulfilling the vision of "Insurance for All by 2047."This isn't just about saving money; it's about:IGNITING DEMAND: Lower prices mean more people can finally afford the insurance they've always needed. Get ready for a surge in health and term plan purchases!CLOSING THE PROTECTION GAP: More families will now have a crucial safety net against life's unpredictable challenges, from medical emergencies to unforeseen losses.BOOSTING THE ECONOMY: While insurers will adapt, the long-term benefit of a financially secure population and a booming insurance sector is undeniable.Your To-Do List: Get Ready to Save Big!This is where you come in! Don't just read about it; act on it and reap the rewards!MARK YOUR CALENDAR (Sept 22, 2025): If your health or life insurance policy is up for renewal around this date or later, get ready for a significant premium reduction. Double-check your renewal notice for the updated, lower amount!CONSIDER YOUR OPTIONS NOW: Have you been putting off getting a new health or life insurance policy because of the cost? Now is the absolute best time to explore your options. You can get the same, or even better, coverage at a substantially lower price point.STAY ALERT FOR NEW DEALS: With the GST burden lifted, insurers might introduce new, more attractive policies or enhanced features. Keep an eye out for these opportunities to maximize your benefits.This isn't just a policy change; it's a financial revolution for the common Indian. The government has cleared the path for a more secure and healthier future for all.Don't miss out on these savings! Share this incredible news with everyone you know! Your family, friends, and colleagues deserve to know about this game-changing "Diwali Bonanza"!

Insurance is meant to give us peace of mind. Unfortunately, scams in the sector are on the rise, and fraudsters are finding new ways to cheat policyholders. If you’ve ever faced claim delays, unfair rejections, or suspected foul play in your policy, you’re not alone. At Bimacure, we work every day with people like you—helping them fight back and recover what’s rightfully theirs.Common Insurance Frauds Happening Today🔹 Digital Identity Fraud: Fraudsters use fake or manipulated Aadhaar and other digital IDs to buy policies or file bogus claims. In many cases, they even change your registered mobile or email to keep you from receiving alerts.🔹 Fake Policy Scams: Fraud agents pose as genuine advisors and sell policies that look authentic but carry no real value. Victims often discover the truth only when their claims are rejected.🔹 Mis-selling: Dishonest agents promise low premiums, guaranteed returns, or unrealistic benefits. The hidden exclusions, waiting periods, and surrender charges come to light only when it’s too late.🔹 Forged Documents: From fake medical reports to falsified police documents, scammers are using forged paperwork to make false claims, especially in health and life insurance.🔹 Overbilling: Some hospitals and garages inflate bills for unnecessary or even non-existent services, leading to heavy financial losses.🔹 Staged Accidents: Motor insurance scams often involve staged or fake accidents to claim money for damages or injuries.🔹 Fake Recovery Calls: One of the latest tricks—fraudsters impersonate IRDAI or Ombudsman officials. They claim they can recover your “stuck” or “staged” claims but insist you buy new policies first. This trap keeps victims stuck in a cycle of fraud.Why You Need Bimacure’s Legal ExpertsAt Bimacure Legal Consulting, we don’t sell insurance—we protect people from fraud, mis-selling, and unfair practices. Here’s how we can help:✔ Fraud Detection: Our experts analyze your policies and claims, spotting red flags or manipulated documents.✔ Claim Rejection Support: We prepare strong legal responses to challenge wrongful rejections.✔ Accountability: If you’ve been mis-sold or tricked into fake policies, we help you file complaints and take action against fraudulent intermediaries.✔ Legal Guidance: We guide you through filing with IRDAI, the Insurance Ombudsman, or even Consumer Court—ensuring every step is done right.✔ Empowerment: We equip you with knowledge to avoid future scams and protect your rights.How to File a Complaint with Bimacure’s HelpIf you suspect fraud or have faced claim issues, here’s how to take action with Bimacure by your side:Collect Your Documents: Keep your policy papers, claim forms, and any communication with agents or insurers ready.Contact Bimacure: Visit our Contact Page to share your issue.Expert Review: Our legal team reviews your case and identifies whether it’s fraud, mis-selling, or wrongful rejection.File the Complaint: With our help, you can file a complaint to IRDAI, Ombudsman, or Consumer Court effectively and without errors.Stay Protected: We guide you throughout the process and also help you secure your future policies against such risks.Take the First Step TodayDon’t let fraudsters or even insurers take advantage of you. With Bimacure’s Insurance Fraud Support, you’re never alone in the fight.📞 Need immediate help? Reach us at our Contact Page or call us directly at +91 91474 13241Bimacure – Your Legal Partner in Insurance Disputes.Disclaimer: Bimacure is an independent legal consulting firm and is not associated with IRDAI or the Insurance Ombudsman in any manner.