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Your health insurance, decoded

Know your cover.
Choose your next step.

Understand your policy, check treatment coverage, and make sense of your claim.

Understand my policySee a sample report
You choose what to share
Illustrative policy2 things to review
niva
Niva Bupa Health Insurance
ReAssure Plus
Individual Health Insurance Plan
Policy numberNB1234567890
Policy period
28 Dec 2025 – 27 Dec 2026
Sum insured
₹10 lakh
Family floater
Room rent limit
₹10,000 /day
Standard room (1% of SI)
Waiting period
30 months
for specified diseases
In-patient hospitalisation
Day care procedures
Pre-hospitalisation (up to 30 days)
Post-hospitalisation (up to 60 days)

Your policy, in simple language

Get a personalised summary with plain explanations, not jargon.

View full summary
Healthier Indians
Brighter Tomorrows

Understand my policy

Get a clear, personalised summary of your health insurance policy.

Check a treatment

See if a treatment or procedure is covered, and what to expect.

Check a rejected claim

Claim rejected or repudiated? Get a free read on the insurer's reason and your next steps.

At the hospital right now?

Get clear, step-by-step guidance for a smoother, cashless (or reimbursement) experience.

Plan my admission
Clarity you can act on

From policy pages to a plan.

You shouldn’t need to speak insurance to understand your own cover.

1
Tell us what you need.
Choose your situation and answer only the questions that matter.
2
Get an answer you can follow.
See the explanation, where it comes from, and what still needs checking.
3
Take your next step with confidence.
Use the free guidance to prepare a stronger case — you stay in control.
Cashless copilotBefore admission
You may pay (estimated out-of-pocket)
₹1.3L – ₹2.8L
Hospital bill ~₹4L · insurer likely pays ~₹1.9L
From your Care · CARE policy — sub-limits & co-pay read
Cashless pre-auth pack ready to carry to the hospital

Illustrative — Claim Saathi prepares you; it is not legal advice and outcomes are never guaranteed.

Canonical policy wordings indexed — with IRDAI UINs
Star HealthCare HealthNiva BupaHDFC ERGOICICI LombardTata AIGBajaj AllianzAditya BirlaManipal CignaNew India Assurance
Reference wordings indexed for cross-checking — not affiliations or endorsements.
Built on real policy wording

Anchored to the canonical policy wording — not guesswork.

Claim Saathi has indexed the actual product wordings of 15 health insurance plans across 10 leading Indian insurers, with IRDAI UINs. When you upload your policy, we cross-check every claim, every sub-limit and every waiting period against that canonical wording — so what you're told is grounded in the real policy, not a guess.

That means when an insurer says “your cataract sub-limit is ₹30,000” — we already know the canonical wording for that exact product says ₹40,000. And we cite it.

See what we've indexed →
Example anchor
“Cited Clause 4 applies a 48-month PED waiting, but the canonical Care Supreme Variant 4 wording (IRDAI UIN CARHLIP21424V032021) lists a 36-month PED waiting — a 12-month difference that supports reconsideration.”
Anchored citation · per Care Supreme T&Cs §Pre-existing disease (PED) waiting
Clear from the start

Useful help. No surprises.

Basic understanding comes first, and every finding stays inspectable and in your control.

Know what we found.

Every finding shows its source and its limits — nothing is a black box you have to trust blindly.

Stay in control of your data.

Stored in India, personal details masked before analysis, and deletable — a document or a whole case — anytime.

Understand our role.

We help you prepare a stronger case. Your insurer decides the claim — we never file for you or promise an outcome.

Questions

Straight answers before you start

What Claim Saathi is, what it isn’t, and how your data is handled.

No. Claim Saathi is a preparation aid that helps you understand your policy and build a clear, evidence-based claim or response. It is not legal, medical, or financial advice, not an insurer or broker, and it can’t guarantee any outcome — the insurer’s decision is always authoritative.
No — you stay in control. We help you prepare the documents, understand what your policy covers, and draft responses or grievance letters. You submit them yourself through the official channels — your insurer/TPA, and if needed the IRDAI Bima Bharosa portal or the Insurance Ombudsman.
Your data is stored in India. Personal identifiers are masked before any text is sent to our AI for analysis, and you can delete an individual document or an entire case at any time from your account.
It’s free to use at launch — add your policies, plan a cashless admission, check a rejection or a short-settlement, and draft responses at no cost.
It decodes your policy in plain language, plans a cashless hospital admission (what’s covered, which policy to use, your likely out-of-pocket, and the pre-auth pack), checks whether a rejection or a deduction is contestable, drafts evidence-based response and grievance letters, and tells you when and how to escalate.
Every suggestion is tied to your own uploaded documents and your policy’s wording, so it’s specific to your situation — not generic advice. It’s available instantly, at no cost, and it prepares you to make a stronger case yourself before you spend on professional help.
You can upload any Indian health-insurance policy and we’ll read it. For a growing set of insurers and plans we also anchor our analysis against the canonical policy wording for extra accuracy; where a plan isn’t in that set yet, we rely on your uploaded documents.
Founder's note

“Indian health insurance is a brilliant product when it pays. When it doesn't, the policyholder is alone — facing a TPA query letter they can't read, in language they can't parse, with no reference to compare against. Claim Saathi exists to fix that gap.”

Founder, Claim Saathi
20+ years across insurance technology