Upload your health insurance policy. See the specific rupee amount at risk. Get a dispute letter that insurers cannot ignore.
No signup required · Demo mode · Results in 30 seconds
11%
of all claims rejected in India
IRDAI 2024
₹26,000Cr
in claims disallowed annually
IRDAI 2024
65-70%
Ombudsman resolution in your favour
IRDAI data
How it works
From confusion to clarity in 4 steps
01
Tell us what happened
Select your situation — rejected claim, confusing bill, upcoming procedure, or policy check.
02
Upload your documents
Policy PDF and rejection letter or hospital bill. Processed securely in memory — never stored.
03
See your loss number
We calculate exactly how much you are at risk of losing — specific, policy-grounded, in rupees.
04
Get your dispute letter
A unique, clause-referenced dispute letter ready to copy and send. Non-deterministic — never a template.
The problem
3 moments where patients lose money
⚠
Before admission
Room rent caps, co-pay clauses, and sub-limits hidden in 40-page policy documents. Nobody explains them. You find out at discharge.
🏥
During cashless
The room rent trap: choose a room above your cap and every single line item gets pro-rated. A ₹1.4L bill becomes ₹70,000+ out of pocket.
📄
At discharge
Hospital bills routinely include drugs at 5-10x NPPA ceiling prices. Nobody audits the bill. Most patients pay and move on.
Results
Real claims. Real money recovered.
"My Star Health policy was graded C+. ClaimSense found ₹43,000 in overcharges on my knee surgery bill. I had no idea the room rent cap affected every single line item."
Ramesh K.
Bengaluru
₹43,000 recovered
"My father's ₹2.3L cardiac claim was rejected citing waiting period. ClaimSense showed the clause was misapplied. The dispute letter was specific and professional."
Priya M.
Mumbai
₹2.3L disputed
"I was going in for surgery in 3 weeks. ClaimSense told me my room choice would cost me ₹34,000 extra due to pro-rata deductions. I changed rooms. Saved the money."
Vikram S.
Pune
₹34,000 saved
Your insurer knows your policy. Now you do too.
The Insurance Ombudsman resolves 65-70% of cases in the policyholder's favour. Most cases never reach it. ClaimSense gets you there.