Terms of Service & Representation
Please review the terms governing our claims evaluation, grievance representation, and strictly performance-based contingency fee model.
1. Character of Service & Non-Law Firm Disclosure
Bima Sahayak is a specialized techno-legal insurance grievance consultancy and claims advocacy firm. We represent consumers before internal insurer Grievance Redressal Officers (GROs), the IRDAI Bima Bharosa portal, and the quasi-judicial Office of the Insurance Ombudsman under the Insurance Ombudsman Rules, 2017. We do not act as an advocate in the Supreme Court or High Courts; nothing on this website constitutes formal advocate-client courtroom advice.
2. Scope of Grievance Representation
Our scope encompasses dispute advocacy across all regulated Indian life, health, motor, travel, and commercial policies. We assist in challenging unfair claim repudiations, unreasonable delays, wrongful short-settlements, and policy mis-selling.
3. Policyholder Obligations & Truthfulness
The policyholder or nominee agrees to furnish accurate, complete, and unadulterated copies of policy schedules, medical records, repudiation letters, and financial receipts.
4. Strict No-Win, No-Fee Contingency Framework
We charge zero registration fees to evaluate or initiate your case. A success fee of 15% (plus applicable GST) is payable strictly upon recovery—meaning only when disputed claim funds are approved and credited directly to the policyholder's bank account. If no amount is recovered, no fee is payable.
5. Limitation of Liability
While Bima Sahayak deploys senior techno-legal expertise to maximize claim approvals, final awards rest within the statutory authority of insurance GROs and the Insurance Ombudsman.
6. Governing Law & Exclusive Jurisdiction
These terms and any digital Service Agreements executed hereunder shall be governed by and construed in accordance with the substantive laws of India, under the exclusive jurisdiction of the competent courts in New Delhi, India.