A companion for every stage of your claim
Most platforms only help after something goes wrong. Claim Saathi helps you prepare before the claim, stay organised during it, and respond confidently after — all in one place.
Understand what you actually own
Upload your policy schedule. We extract sum insured, sub-limits, waiting periods, exclusions, and add-ons — then grade your coverage tier (A+/A/B/C) against common Indian norms.
Stay one step ahead of the TPA
We tell you what documents are needed for a hospitalisation, day care, or maternity claim — and flag which ones you're missing before the insurer issues a query letter.
Respond smartly. Don't give up.
We read the insurer's letter, cross-check the cited clause against the canonical policy wording, judge whether it actually applies, and draft a polite response letter — plus a complete Ombudsman-ready dossier.
Seven product surfaces. One coherent workflow.
Every feature speaks to the others. Your Policy Dashboard powers the Procedure Simulator. The Rejection Analyzer cites your canonical policy. The Escalation Pack pulls from everything.
Policy Dashboard
Sum insured, sub-limits, waiting periods, exclusions and renewal status at a glance. With a Coverage Tier grade and a Benefits Dashboard.
Procedure Simulator
Pick a procedure (cataract, knee replacement, cardiac stent…) → see what your policy would actually pay vs your out-of-pocket. Uses real Indian hospital cost ranges.
Document Checklist
Curated list of must-have documents for your claim type. Checks against your uploads and flags what's missing before the TPA does.
Rejection Analyzer
Upload the rejection letter — get a verdict (strong-contest / contestable / likely-correct), evidence-anchored arguments, and a ready-to-send response letter.
Deduction Explainer
Paste the partial-settlement breakup. Every deduction line gets categorised, judged fair vs contestable, and totalled into a contestable amount.
Response Letter Generator
Polite, evidence-based response letters in PDF — addressed to the Grievance Redressal Officer, citing your reference policy wording.
Escalation Pack
One click → multi-page Ombudsman-ready dossier with pre-filled Form P-III, timeline, contest arguments, and an annexure list.
Anchored to the canonical policy wording — not guesswork.
Most AI tools read your uploaded PDF and hope for the best. Claim Saathi has indexed the actual product wordings of 10 health insurance plans across 8 leading Indian insurers, with IRDAI UINs. When you upload your policy, we cross-check every claim, every sub-limit, every waiting period against the canonical version.
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 →Three things you won't find in a generic insurance chatbot
The Indian health-insurance market doesn't lack chatbots. It lacks ones that work.
Canonical wording, not chatbot guesses
Our reference policy database means the answer to “what does my policy say?” isn’t a Claude paraphrase — it’s the actual product wording with the IRDAI UIN as evidence.
Plain English. No insurer jargon.
We translate every rejection reason, every deduction line, every clause into one short paragraph an Indian consumer can act on. Never “repudiation under sub-section 4(ii)”.
Evidence-anchored, not advice-flavoured
Every assertion cites a source. Every verdict explains its reasoning. We’re a preparation aid, not a lawyer or broker — and we say so on every screen.
Two front doors — same engine inside
The consumer product is in private beta now. Partner integrations are open conversations — write to us.
Claim with confidence — even when the rules are stacked against you
- Understand your policy in plain English in under five minutes.
- Catch sub-limits and waiting periods before they bite at admission.
- Respond to rejections with evidence, not anxiety.
Built to be embedded into your workflow
- Insurance advisors: white-label policy explainers + rejection prep for clients.
- Hospitals: pre-admission cover-confidence check + cashless preparation.
- Corporates: GMC claim literacy as an employee benefit — at scale, per-seat pricing.
Join the first 1,000 users
Beta access is free for early users. We'll prioritise people with an active claim or rejection on their hands — that's where we can make the most difference.
“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. ClaimSaathi exists to fix that gap.”
20+ years across insurance technology