Bima Sugam is the Insurance Regulatory and Development Authority's (IRDAI) unified digital marketplace for insurance. Think of it as a one-stop portal where you can see all your life, health, and general insurance policies from different companies in one dashboard, file claims, and even buy new policies.
What Bima Sugam does: It creates a universal policy repository. Every policy you buy, whether LIC, Star Health, or any other insurer, gets linked to your Aadhaar and PAN. When you log in to Bima Sugam, you see all your policies in one view, regardless of insurer. Premium reminders, due dates, and claim status all in one place.
What's live in 2026: The policy repository function is live for most major insurers including LIC. You can view your LIC policies by linking your Aadhaar. The marketplace for purchasing new policies and the claims filing feature are still being rolled out. LIC's presence on the platform is growing steadily.
How to register: Visit bimasugam.gov.in. Register with your mobile number, Aadhaar, and PAN. After OTP verification, link your existing policies using your policy number and date of birth.
Why this matters for policyholders: Nominees benefit the most from Bima Sugam. Today, many families don't know about all their deceased member's policies. With Bima Sugam, the nominee can log in using the deceased's Aadhaar and see every active insurance policy, simplifying the claim process dramatically.
Is it safe? Yes. It uses Aadhaar-based authentication and is regulated by IRDAI. Your policy data is not shared with third parties.
I recommend registering on Bima Sugam even if you only have one policy. As more insurers integrate, it will become an essential tool. Call me at 9415313434 if you need help linking your LIC policies to the portal.
Use our free Policy Health Calculator to review your current policies.
