Unclaimed insurance money

Life policies mature. Claims get approved and then go uncollected because the insurer has an old address, a closed bank account, or no contact for the nominee. Insurers hold these amounts and are generally required to publish or disclose them.

You may have this if…

You or a relative held a policy that matured years ago
You are a nominee on a policy and were never paid out
Premiums were overpaid or a policy was surrendered
A relative died holding cover the family never claimed

Where to search — 1 official destination

These are the organisations that actually hold this money. Open them directly. You will not be asked to pay to search.

✓ Verified 2026-09-13

IRDAI Bima Bharosa — unclaimed policyholder amounts

Run by Insurance Regulatory and Development Authority of India

What it covers: Unclaimed amounts held by Indian insurers — matured policies, approved claims and refunds that were never collected.
How the claim works: The regulator does not search insurers centrally. This page is the official directory of every insurer's own unclaimed-amount portal — 24 life, 26 general and 6 health insurers — so you check the insurer you held the policy with.

Open the official service ↗

Source: Official IRDAI portal. The page carries IRDAI's own warning: "Bima Bharosa (IGMS) Portal does NOT ask for PAYMENTS OF ANY KIND from complainants/policyholders."
How we checked: We fetched and read the page on 2026-09-13.

Your next steps

Gather what identifies you. Old addresses, maiden or former names, account or policy numbers, employer names and the years you were there. Most searches are by name, and old names matter.
Search every name you have used, and every spelling. Records are entered by hand and get misspelt.
Search for relatives too if you may be an heir or nominee — these amounts are commonly sitting under a parent's name.
Claim directly with the organisation that holds it. They will ask for proof of identity and proof of your link to the money. That is normal. A request for money from someone who contacted you first is not. A few official programmes charge a published fee; read it on the operator's own site before you claim.
Expect it to take weeks, not minutes. Official verification is slow. Slowness is a sign you are in the right place, not the wrong one.

⚠️ Before you pay anyone, read this

Searching is free everywhere on this site. Every destination we route you to is an official government or regulator service that does not charge you to look.
You don’t need to pay anyone to search. Be wary of anyone asking for an upfront fee.
Be wary of anyone who asks you for money first. An advance fee, a processing charge, or a tax payable up front, asked by someone who contacted you or advertised to you, is the single clearest sign of a scam. A few official programmes do charge a published fee, so read the amount on the operator’s own site before you claim.
Type the address yourself, or use our link. Do not follow links from an unexpected email, SMS or WhatsApp about unclaimed money, and do not scan a QR code to receive a payout.
Nobody legitimate needs your password, OTP or full card number to help you find unclaimed money.

Let’s Find Money does not hold, recover, or guarantee any funds. We are not a government service and we are not affiliated with any of the organisations we link to. We do not search on your behalf. Our search tools don’t see your results. Case review is not open yet; when it is, we will keep only the contact details you choose to send, and only to reply to you. What we do is point you to the official service that actually holds the money, so you can search it yourself, free. Rules, eligibility and processes are set by those organisations and can change — always read their own guidance.