Not verified Not checked recently
This record has not been checked against IRDAI's current list of registered insurers. Confirm the registration on the IRDAI website before you rely on it.
| Sector | General insurer |
|---|---|
| Official website | kshema.co (opens in a new tab) |
| Customer support page | Open (opens in a new tab) |
Source: IRDAI Annual Report 2024-25 Annexure 1; official insurer website / Life Insurance Council / General Insurance Council (opens in a new tab), retrieved 31 October 2026.
General lines typically include motor, health, travel, fire/property, marine, personal accident and liability; exact authorization/product availability varies. Business lines: motor, health, travel, fire/property, marine, personal accident, liability and commercial lines (subject to insurer authorization). Support URL currently points to the official website landing page; verify dedicated customer-care URL before publishing.
Claims and complaints
Make claims and complaints directly with the insurer first. If a complaint is not resolved, IRDAI's Bima Bharosa portal and the Insurance Ombudsman can help.
- Claim rejected? Complaints and the Insurance OmbudsmanHow to challenge a rejection or short payment: insurer, IRDAI's Bima Bharosa and the Ombudsman.
- How to make a health insurance claimCashless or reimbursement: which route to take and what happens at each step.
- How to make a motor insurance claimOwn-damage, theft and third-party claims: reporting, survey and settlement.
- How to make a life insurance claimDeath claims by the nominee: documents, steps and the time the insurer has to decide.