Congrats on your achievements in FIII and cert CII, and good luck with AINS and Dip CII! As for the DICM from Bombay Academy (BAMS), it’s generally regarded as a solid program, especially if you're looking to deepen your knowledge in insurance and claims management. However, its value depends on your career goals. If you’re aiming to specialize further or want to enhance your qualifications in a niche area, it could be worth studying. It might also help in networking and gaining industry-specific insights. That said, consider how it aligns with your long-term plans and perhaps seek advice from others who’ve completed the course.