Bima Sugam portal has been officially launched and is now live at bimasugam.co.in. This new portal is India’s first Digital Public Infrastructure for Insurance, where citizens can handle all insurance needs in one place. From life insurance to health, motor, travel, property, and agriculture policies, everything is available on a single online portal.
Unlike private players, Bima Sugam is supported by all insurance companies under the Bima Sugam India Federation (BSIF) and is regulated by IRDAI. This portal is built to provide simple, low-cost, and transparent services to every Indian. Just like UPI connected banks for digital payments, this platform connects insurers, intermediaries, and customers in one system.
The launch of Bima Sugam portal is a big step toward the national goal of Insurance for All by 2047, and industry leaders believe it will transform how Indians buy, renew, and claim insurance.
Bima Sugam Portal Registration Process
Before buying any new insurance policy or adding existing policies to Bima Sugam Portal, an account is required and anyone can register using Aadhaar and mobile number. Below is the step by step Bima Sugam Portal registration process.
STEP 1 – Visit the official website at bimasugam.co.in.
STEP 2 – On the homepage, click on the option for New Registration.
STEP 3 – Enter your Aadhaar-linked mobile number in the registration form and verify with OTP.
STEP 4 – Provide PAN and other basic details to complete e-KYC.
STEP 5 – Set up your login ID and password for future use.
STEP 6 – Once registered, you will receive your Bima Pehchaan ID which links all your insurance policies.
Bima Sugam Portal Login Process
After registration, users can log in anytime to access policies and services.
STEP 1 – Go to bimasugam.co.in and click on Login.
STEP 2 – Enter your registered Bima Pehchaan ID or mobile number.
STEP 3 – Provide the password set during registration.
STEP 4 – Enter the OTP sent to your mobile for verification.
STEP 5 – Dashboard will open, showing all your insurance policies, services, and claim options.
Features of Bima Sugam Portal
The portal has been designed for every participant in the insurance system including consumers, intermediaries, and insurers.
Benefits for Consumers
- Bima Pehchaan: One digital ID connecting all insurance policies.
- Single dashboard: View policies across insurers in one place.
- Instant policy purchase: Buy policies online with direct payment.
- Aadhaar-based e-KYC: Quick and paperless onboarding.
- Seamless claims: Real-time claim submission and tracking.
- Single window: Manage servicing and claims across all insurers.
Benefits for Intermediaries
- Unified dashboard: Manage multiple insurer products.
- Partner-insurer discovery: Generate quotes and sell policies easily.
- Productivity boost: Faster onboarding of customers.
- Built-in compliance: Matches IRDAI rules and standards.
Benefits for Insurers
- Access to new markets: Reach larger customer base.
- Customized product listing: Sell directly through Bima Sugam.
- Improved efficiency: Better management with APIs.
- Consent-based KYC: Safe and quick customer onboarding.
- Fraud prevention: Shared detection and intelligence system.
- Seamless integration: Works with India Stack modules.
- Automated audits: Supports regulatory compliance.
- End-to-end digital servicing: From policy issuance to claims.
- Faster go-to-market: Through standard API integrations.
Bima Pehchaan – Lifetime Digital Insurance ID
One of the most powerful features of this portal is Bima Pehchaan, a permanent digital ID for all policyholders.
Benefits for Consumers
- One ID for all policies: Combines existing and future policies.
- Secure access: Aadhaar, PAN, and mobile-based login with privacy.
- Lifetime continuity: Policy records remain even if insurer changes.
- Simplified servicing: Claim filing, nominee updates, and grievance redressal in one place.
Benefits for Intermediaries
- Unique intermediary ID: Every intermediary gets system-generated ID.
- Single access credential: Access to products across insurers.
- Seamless registration: Easy validation by insurers.
- Trusted presence: Verified status for secure transactions.
Highlights of Bima Sugam Portal
| Feature | Details |
|---|---|
| Website | bimasugam.co.in |
| Started By | IRDAI & BSIF |
| Digital ID | Bima Pehchaan |
| Insurance Types | Life, Health, Motor, Travel, Property, Agriculture |
| Main Services | Login, Registration, Compare, Buy, Renew, Claim |
| Charges | Very minimal |
| Security | Aadhaar, PAN & Mobile verified access |
FAQs
What is Bima Sugam portal?
It is India’s digital insurance marketplace where users can buy, renew, and claim policies.
How to register on Bima Sugam?
Visit bimasugam.co.in, click on registration, complete Aadhaar-based e-KYC, and create login ID.
What is Bima Pehchaan ID?
It is a lifetime digital ID that links all your policies across insurers.
Is it safe to use Bima Sugam?
Yes, it uses Aadhaar, PAN, and mobile-based verification with full privacy.