📋 We provide guidance and documentation assistance only. We do not guarantee claim approval or represent clients in legal proceedings.
● Health Insurance Claim Assistance · India
Your Claim Was Rejected. Don't Accept It Blindly.
ClaimSarathee helps you understand why your health insurance claim was rejected or short-paid, what documents are needed, and how to present your case correctly — step by step.
✅ Zero Upfront Cost — We charge 10% only after successful resolution
Source: Insurance Regulatory & Development Authority of India (IRDAI)
The Problem
Why Good Claims Get Rejected
Most rejections happen due to avoidable paperwork and process mistakes — not because the claim was invalid.
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Missing Documents
Discharge summaries, doctor certificates, or lab reports missing from the claim file — the most common reason for rejection.
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Late Intimation
Many policyholders don't inform the insurer within the required time window, giving companies a technical ground to reject.
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Wrong Information
Errors in claim forms, mismatch of diagnosis codes, or inconsistency between documents lead to partial or full rejection.
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Policy Clause Confusion
Insurers cite policy clauses that policyholders don't understand — making people give up on valid claims unnecessarily.
Our Process
How ClaimSarathee Helps You
A simple, transparent 5-step process — from confusion to clarity, with zero upfront payment.
1
Submit Your Case
Share your claim rejection letter and basic policy details via WhatsApp or our form. Free and confidential.
2
Free Case Review
Our expert reviews your rejection reason, policy terms, and documents to assess if your case can be resolved.
3
Document Checklist
We tell you exactly which documents are needed and how to obtain them from the hospital or doctor.
4
Case Preparation
We help you structure your re-submission properly — presented with clarity and completeness.
5
Pay Only on Success
Our fee of 10% is charged only when your claim is successfully resolved. Zero payment if it doesn't work out.
Why Choose Us
What Makes ClaimSarathee Different
We are not a legal firm, not a TPA, and not an insurance agent. We are on your side — as a guide.
💰
Zero Upfront Cost
You pay nothing to get started. Our 10% fee comes only from the amount you actually recover. No recovery = no fee.
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Focused Expertise
We specialize specifically in health insurance claim rejections. This is all we do, so we do it well.
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Honest & Transparent
We tell you clearly upfront if your case is unlikely to succeed. We do not promise what we cannot deliver.
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Fast & Simple
No lengthy consultations or office visits. Everything is handled over WhatsApp and phone at your convenience.
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Your Data is Safe
We treat your medical and financial documents with complete confidentiality. Your information is never shared.
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Pan-India Service
We assist policyholders across all Indian states for any registered Indian health insurance company.
Success Stories
Real People, Real Results
Real outcomes from people we have helped. Names anonymized for privacy.
"
My claim of ₹1.8 lakh was rejected because the hospital didn't submit the discharge summary on time. ClaimSarathee helped me collect the right documents and re-submit. The money came in 3 weeks.
R
Rajesh M.
Pune, Maharashtra
✅ ₹1.8 Lakh Recovered
"
I didn't know I could appeal a short-paid claim. They explained the whole process step by step. My insurer had paid only ₹60,000 against a ₹1.1 lakh bill. I recovered the rest with their help.
S
Sunita K.
Nagpur, Maharashtra
✅ ₹50,000 Additional Recovered
"
My father's surgery claim was rejected citing a pre-existing condition clause. ClaimSarathee reviewed the policy and showed the clause did not apply in our case. The insurer reversed the decision.
A
Amit D.
Mumbai, Maharashtra
✅ ₹2.4 Lakh Recovered
Eligibility
Who Can Use Our Service?
We can help with most health insurance claim situations — here is a quick guide.
✅ We Can Help You If...
Your health insurance claim was fully rejected
Your claim was short-paid (paid less than expected)
The rejection is due to missing or wrong documents
You received no clear reason for rejection
Your claim is still within appeal timeframe
You have a reimbursement claim issue
You are dealing with cashless claim denial
❌ We May Not Help If...
The claim is for a clearly excluded illness or procedure
The policy was not active during treatment
The rejection was due to proven fraud or misrepresentation
The appeal period has already expired
You need legal court representation
The claim is for motor, life, or general insurance
Get Started — Free
Submit Your Case Today
Tell us about your situation. Initial review is completely free. No commitment required.
What Happens Next?
📋
Step 1 — Free Case ReviewWithin 24 hours, we review your rejection reason and tell you if we can help.
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Step 2 — Consultation CallWe discuss your case over a brief call and explain exactly what needs to be done.
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Step 3 — Document SupportWe guide you to collect the right documents and prepare a proper re-submission.
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Step 4 — Pay Only on Success10% of recovered amount. Zero if your claim is not resolved.
🔒 Your information is 100% confidential and never shared with third parties.
✅ Thank you! We will review your case and contact you on WhatsApp within 24 hours.
FAQ
Frequently Asked Questions
Answers to the most common questions we receive.
Absolutely nothing upfront. Our fee is 10% of the amount successfully recovered — paid only after your claim is resolved. If your claim is not resolved, you pay nothing at all.
No, and we will never make such a promise. We help you present your case correctly with complete documentation. The final decision rests with the insurance company or ombudsman. We are honest about this from the start.
It depends on the insurer and complexity of your case. A typical re-submission review takes 15 to 45 days with the insurance company. We work as quickly as possible on our end — usually within 2–5 days to prepare your case.
It depends on your insurer's appeal window and IRDAI guidelines. Many insurers allow appeals within 30–90 days. Please submit your case immediately so we can check if an appeal is still possible.
Yes, we provide assistance across all states in India. Everything is handled remotely via WhatsApp, phone, and email — so your location does not matter.
Absolutely. We treat all client information with strict confidentiality. Your documents and personal information are never shared with any third party. Full details in our Privacy Policy.
No. We are an independent claim assistance service. We are not lawyers, not a TPA, and not affiliated with any insurance company. We guide you through the documentation and re-submission process as your advisor.
Claim Documentation Guidance
Rejected or Short-Paid Claims: What ClaimSarathee Actually Does
A closer look at how documentation guidance works, how it differs from legal representation, and when to use it.
Documentation Guidance & Claim Advocacy — Not Legal Representation
ClaimSarathee provides documentation guidance and claim advocacy for rejected, short-paid, and delayed health insurance claims — helping you prepare the right paperwork, draft insurer grievance (GRO) escalations, and file Insurance Ombudsman complaints. It does not provide legal representation, and it is not a law firm or advocate.
The service runs on a zero-upfront, 10% success-fee model: there is no fee unless your claim is actually recovered. If nothing is recovered, nothing is charged.
ClaimSarathee reviews your rejection or settlement letter, policy wording, and claim file to identify the exact reason your insurer rejected or short-paid the claim, then explains it in plain language instead of leaving you to decode the insurer's technical clause on your own. This is done as part of a free initial case review, before any payment or commitment is required.
You get a step-by-step breakdown covering what went wrong, what the insurer's stated reason actually means, and what needs to happen next to fix it — whether that's collecting a missing document, correcting a claim-form error, or challenging a policy clause that has been misapplied.
ClaimSarathee offers complete documentation guidance — reviewing your rejection letter, identifying the missing or incorrect paperwork, and structuring your re-submission — without charging anything upfront. The service works on a zero-upfront, success-fee model, so a 10% fee applies only to the amount actually recovered.
This means the initial case review, the document checklist, and the guidance on how to approach your insurer all come at no cost. Payment is only due after your claim is successfully resolved; if it isn't, no fee is charged at any stage.
The most frequent documentation issues are missing discharge summaries or doctor certificates, late intimation to the insurer, mismatched diagnosis codes or claim-form details, and incomplete lab or investigation reports. Each of these is usually fixable by obtaining the correct document from the hospital or treating doctor and re-submitting a complete, consistent claim file.
ClaimSarathee's documentation guidance identifies exactly which of these gaps applies to your case, tells you which specific document is missing and where to get it from, and helps you structure the re-submission so the insurer has no reasonable paperwork-based ground left to reject it again.
Start by comparing your original claim amount, the insurer's settlement letter, and the itemized hospital bill to see exactly which items were deducted or disallowed. ClaimSarathee reviews this alongside your policy terms to pinpoint the specific clause or missing document causing the shortfall, then helps prepare a clear, structured representation to place before the insurer.
Both cashless and reimbursement claims are supported, since the underlying work — accurate documentation and a well-presented written case — is largely the same in either situation.
Documentation guidance means helping you understand your rejection, collect the right paperwork, and prepare a clear written case for your insurer, the insurer's Grievance Redressal Officer (GRO), or the Insurance Ombudsman. Legal representation means appearing on your behalf before a court, consumer forum, or tribunal as your advocate or lawyer.
ClaimSarathee provides only documentation guidance and claim advocacy support — it does not offer legal representation of any kind, and it does not appear on your behalf in any legal proceeding.
A pay-after-success model like ClaimSarathee's charges nothing upfront and takes a 10% fee only from the amount actually recovered, so the cost is directly tied to the outcome and there is no financial risk if the claim isn't resolved. A fixed-fee consultant, by contrast, is typically paid the same amount regardless of whether your claim is ultimately approved.
For policyholders who are unsure whether their case will succeed, a success-fee model removes the upfront financial risk entirely, since payment only becomes due once money is actually recovered.
Yes — rejections are generally resolved faster when the paperwork and written representation are complete before you escalate, since both an insurer's grievance desk and the Insurance Ombudsman expect a clearly documented case. Escalating with gaps in the documentation often leads to delays or requests for clarification rather than a resolution.
ClaimSarathee helps prepare this documentation upfront and, where needed, assists with GRO grievance escalations and Ombudsman filings, so the case is presented correctly the first time instead of being sent back partway through the process.
ClaimSarathee
Your trusted claim guidance partner
"Sarathee" means Guide or Charioteer — one who helps you navigate the right path.
₹0
Upfront Cost
10%
Success Fee Only
24hr
Response Time
Pan
India Service
About Us
Why We Started ClaimSarathee
Health insurance is meant to protect families during their most vulnerable moments. But too often, genuine claims are rejected over paperwork issues, complex policy language, or documentation gaps — leaving policyholders confused and helpless.
ClaimSarathee was founded with one mission: to stand by the side of the policyholder. We help ordinary people understand their rights, prepare the right documents, and navigate the re-submission process — without charging anything upfront.
We believe that if a claim is genuine, it deserves a fair chance. Our role is to make sure you give it that chance — correctly, completely, and confidently.
ClaimSarathee ("we", "us", "our") is an independent health insurance claim guidance and documentation assistance service operating in India. We help policyholders understand and navigate the process of re-submitting rejected or short-paid health insurance claims.
We are not an insurance company, insurance agent, insurance broker, Third Party Administrator (TPA), or legal firm. We operate as an advisory and documentation support service.
Messages sent via contact form, WhatsApp, or email
D. Website Usage Data
Browser type, device, pages visited, time of visit, anonymized IP address
📌 We do NOT collect your Aadhaar number, PAN card number, bank account details, or financial credentials unless you voluntarily share them as part of your claim documents.
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How We Use Your Information
To review and assess your claim case — understanding why your claim was rejected.
To communicate with you — providing updates, requesting documents, explaining next steps.
To prepare documentation guidance — helping compile the right documents for re-submission.
To generate fee invoices — calculating our 10% success fee and issuing receipts.
To improve our services — analyzing anonymized patterns (no personal data used).
To comply with legal obligations — if required by Indian law or regulatory authorities.
📌 We do NOT use your information for marketing to third parties, selling leads, or advertising purposes. Ever.
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How We Store and Protect Your Data
All documents stored in password-protected systems
Access strictly limited to authorized personnel working on your case only
No physical copies of your documents stored without consent
WhatsApp communications protected by end-to-end encryption
Website uses HTTPS encryption for all form submissions
Periodic reviews of our data security practices
Despite our best efforts, no method of internet transmission is 100% secure. We strive to use commercially acceptable means to protect your information.
05
Sharing of Information
We treat your information as strictly confidential. We do NOT sell, rent, trade, or share your personal information with third parties except:
With Your Explicit Consent: If documents need to be shared with your insurer/hospital/TPA as part of re-submission, only with your prior consent.
Legal Compliance: If required by law, court order, or government/regulatory authority under the IT Act 2000 and its amendments.
Business Transfers: In the event of a merger or acquisition, you will be notified prior to any transfer.
📌 We never share your information with insurance companies, advertisers, data brokers, or any commercial entity without your explicit consent.
06
Cookies and Website Usage
Our website may use cookies for essential functionality and anonymized analytics (e.g. Google Analytics with anonymized IPs). We do not use cookies to track your activity across other websites or for advertising. You can control cookie settings through your browser.
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Your Rights
Right to Access: Request a copy of all personal information we hold about you.
Right to Correction: Ask us to correct any inaccurate or incomplete information.
Right to Deletion: Request deletion of your personal data within 30 days, subject to legal obligations.
Right to Withdraw Consent: Withdraw consent to processing at any time without affecting past services.
Active Cases: Retained for the full duration of engagement.
Resolved Cases: Retained for 3 years after case closure for legal record-keeping.
Unsuccessful Cases: Deleted within 90 days of closing, unless earlier deletion is requested.
General Enquiries: Retained for 1 year.
09
Third-Party Links
Our website may link to external sites (IRDAI, insurer portals, government resources). ClaimSarathee does not control these sites and is not responsible for their privacy practices. We encourage you to review their policies independently.
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Children's Privacy
Our services are intended for adults (18+) or authorized family representatives. We do not knowingly collect information from children under 18. If a parent/guardian believes their child has provided information, contact claimsupport@claimsarathee.in and we will delete it promptly.
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Changes to This Policy
When we make significant changes, we will update the "Last Updated" date, notify active clients via WhatsApp/email, and post a homepage notice for 30 days. Continued use after changes constitutes acceptance.
ClaimSarathee is an independent claim documentation and guidance assistance service. Our service is strictly limited to: reviewing and analyzing claim rejection letters, advising on documentation required for re-submission, guiding on the proper re-submission process, and assisting with communication structuring with insurers where requested.
📌 ClaimSarathee is NOT an insurance company, insurance agent, insurance broker, TPA, legal firm, advocate, or regulated financial advisor under IRDAI or SEBI.
02
Not a Legal, Insurance, or Medical Advisory
Guidance provided by ClaimSarathee does not constitute legal advice, insurance advice, or medical advice in any form.
Legal Advice: We cannot represent you before any court, consumer forum, IRDAI, Insurance Ombudsman, or any other authority.
Insurance Advice: We do not advise on policy purchase, renewal, or cancellation, and do not act as an IRDAI-regulated intermediary.
Medical Advice: We offer no medical opinions, diagnoses, or treatment recommendations.
⚠️ Our guidance is based on general knowledge of insurance processes and documentation practices and should not substitute professional legal or insurance advice.
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No Guarantee of Claim Approval
ClaimSarathee does not guarantee, promise, or represent that your claim will be approved. The final decision rests entirely with your insurance company, the TPA, Insurance Ombudsman, IRDAI, Consumer Forums, or Courts. Our role is to help you present your case as correctly and completely as possible.
⚠️ Any representative of ClaimSarathee who promises a specific claim outcome is acting outside their authority. Report such claims to claimsupport@claimsarathee.in immediately.
04
Accuracy of Information
We make every effort to provide accurate information. However, insurance regulations and IRDAI guidelines are subject to change without notice. Statistical data (such as IRDAI settlement ratios) is sourced from publicly available government reports and may not reflect the most current figures. Users are advised to verify information with the official IRDAI website (irdai.gov.in) and their insurer.
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Regulatory Disclaimer
ClaimSarathee operates as a documentation and guidance assistance service and does not require an IRDAI licence to provide documentary advisory services for personal claims.
We are not registered as an insurance intermediary, broker, or agent under the Insurance Act 1938 or IRDAI (Insurance Brokers) Regulations 2018.
We do not negotiate with insurance companies as legal representatives.
We do not accept premiums, commissions, or referral fees from any insurance company or TPA.
Our fee is charged directly to the client as a service fee, not as an insurance commission.
📌 If any regulatory authority contacts us with questions about our operations, we will cooperate fully and transparently.
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Fee and Payment Disclaimer
No upfront fees charged at any point before case resolution.
Success fee of 10% of recovered amount charged only upon successful resolution.
If your claim is not resolved, no fee is payable to ClaimSarathee.
📌 All fee terms are confirmed in writing via WhatsApp or email before full engagement begins.
⚠️ ClaimSarathee will NEVER ask for upfront payments, advance deposits, or processing fees before your case is resolved. Any such request is potential fraud — report to claimsupport@claimsarathee.in immediately.
07
Limitation of Liability
To the maximum extent permitted under Indian law, ClaimSarathee shall not be liable for: any direct or indirect damages from use of our services; any loss resulting from claim rejection regardless of our guidance; errors in information provided by the client; delays caused by third parties including insurers, hospitals, or TPAs; or unauthorized access to your information due to circumstances beyond our reasonable control. Our total liability shall not exceed the total service fee paid by you.
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Third-Party Services and Links
Our website may reference or link to IRDAI (irdai.gov.in), Insurance Ombudsman offices, Consumer Affairs Ministry portals, and insurer official portals. ClaimSarathee does not control, endorse, or assume responsibility for content or policies of these third-party websites.
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Testimonials and Case Outcomes
Testimonials on our website represent individual client experiences. Past outcomes do not guarantee similar results. Every insurance claim depends on the specific policy terms, insurer, documentation, and circumstances. Client names are anonymized for privacy. Recovered amounts are estimates based on client communication.
📌 ClaimSarathee does not manipulate, fabricate, or incentivize testimonials. All displayed success stories reflect genuine client interactions.
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Governing Law and Jurisdiction
This Disclaimer is governed by Indian law including the Insurance Act 1938, Consumer Protection Act 2019, IT Act 2000, Indian Contract Act 1872, and applicable IRDAI Regulations. Disputes shall be subject to the exclusive jurisdiction of competent courts in India.
The complete terms and conditions governing your use of ClaimSarathee's website and claim guidance services.
📅 Effective Date: 1st January 2025 | Last Updated: February 2025 | Governing Law: India
📌 By accessing the ClaimSarathee website or submitting your case, you confirm that you have read, understood, and agree to be legally bound by these Terms of Service.
"ClaimSarathee / We / Us" — the claim guidance service at www.claimsarathee.in
"Client / You" — any individual who accesses our website or engages with our services
"Services" — health insurance claim documentation review, guidance, and re-submission assistance
"Case" — a specific health insurance claim rejection or short-payment situation submitted for review
"Successful Resolution" — insurer approves and disburses payment of a previously rejected/unpaid amount, as a direct outcome of our guided re-submission process
"Success Fee" — 10% service fee payable upon Successful Resolution
02
Eligibility to Use Our Services
You are eligible if you are: at least 18 years of age (or authorized representative of policyholder); hold or are beneficiary of a valid health insurance policy from a registered Indian insurer; accessing services for your own legitimate claim; and are a resident of India or hold an Indian health insurance policy. ClaimSarathee reserves the right to refuse service where fraud or misrepresentation is suspected.
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Description of Services
✅ What We Do
Review rejection letters and policy documents
Identify missing or incorrect documentation
Advise on claim re-submission process
Prepare guidance documents and checklists
Assist in structuring communication with insurer
Guide escalation to Grievance Redressal Officer
Provide information on IRDAI complaint process
❌ What We Do NOT Do
Legally represent you before courts or tribunals
Negotiate with insurers as your legal agent
File complaints on your behalf with IRDAI
Provide legal or medical opinion
Guarantee claim approval or any outcome
Accept insurance premiums or commissions
Handle motor, life, or general insurance claims
04
Engagement Process
Case Submission: Submit via website form or WhatsApp/email directly.
Initial Review: Free preliminary review within 24 working hours.
Service Agreement: Scope, fee terms, and requirements communicated in writing. Your confirmation constitutes acceptance.
Document Collection: You provide required documents voluntarily.
Guidance & Preparation: We prepare checklists and guide your re-submission.
Resolution & Fee: 10% Success Fee payable within 7 working days of receiving insurer payment.
05
Fees and Payment Terms
A. Success Fee: 10% of total recovered amount. No fee if claim is not resolved. No upfront fees of any kind.
B. Recovered Amount: Net amount disbursed by insurer in respect of previously rejected/short-paid claim following our guided re-submission. Excludes amounts already paid prior to our engagement.
C. Payment Timeline: Payable within 7 working days of receiving insurer's payment. ClaimSarathee sends payment confirmation request via WhatsApp/email.
D. GST: Where applicable under Indian tax laws, GST will be communicated clearly at invoicing.
📌 All fee terms confirmed in writing before full engagement. Any verbal-only agreement without written confirmation should be escalated to claimsupport@claimsarathee.in.
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Client Obligations and Responsibilities
Accuracy: Provide complete, accurate, truthful information. False information leads to immediate termination.
Timely Cooperation: Respond to document/information requests within reasonable time.
Legitimate Claims Only: Confirm your claim is genuine and not fraudulent or based on falsified records.
Lawful Use: Use services only for legitimate personal insurance claim purposes.
Payment of Fees: Pay the agreed Success Fee within stipulated timeline upon Successful Resolution.
Non-Circumvention: Do not bypass ClaimSarathee's fee by re-engaging the insurer directly on the same claim after receiving our guidance.
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ClaimSarathee's Obligations
Review your case honestly and inform you upfront if we cannot help.
Keep all personal, medical, and financial information strictly confidential.
Never guarantee a specific outcome or pressure you into engaging services.
Clearly communicate all fee terms and service limitations before commitment.
Respond to queries within 24 working hours on business days.
Never request any payment before successful resolution of your case.
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Prohibited Uses
You may not use our services for: filing or supporting fraudulent insurance claims; submitting fabricated or falsified medical documents; commercial aggregation or third-party claims management; harassing or threatening our staff; attempting to reverse-engineer or disrupt our systems; misrepresenting your identity or policyholder status; or any purpose violating Indian law, IRDAI regulations, or rights of third parties.
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Intellectual Property
All website content — text, graphics, logos, process frameworks, checklists, and design — is the intellectual property of ClaimSarathee. Guidance documents and templates provided to you are for personal use only and may not be redistributed or sold. "ClaimSarathee" and "Don't Accept Rejection Blindly" are proprietary identifiers of our service.
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Confidentiality
ClaimSarathee: Will not disclose your information to any third party except as required by law or with your explicit consent.
Client: Proprietary guidance materials and strategic advice provided by ClaimSarathee should be treated as confidential and not shared commercially.
📌 This mutual confidentiality obligation survives termination and remains in force for 3 years thereafter.
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Termination of Service
By Client: You may discontinue at any time. No fee payable if terminated before resolution. If terminated after resolution but before fee payment, the fee remains due.
By ClaimSarathee: We may terminate immediately upon discovery of fraud or falsified documents; abusive/threatening behavior; failure to cooperate within reasonable timeframes; non-payment of confirmed Success Fee after resolution; or prohibited use of services.
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Dispute Resolution and Grievance
Internal Grievance: Email claimsupport@claimsarathee.in (Subject: "Service Grievance") or WhatsApp +91 94208 50173. We acknowledge within 2 working days and resolve within 15 working days.
External: Consumer Disputes Redressal Commission (Consumer Protection Act 2019) or applicable civil courts in India.
Arbitration: For disputes above ₹1,00,000, both parties may agree to arbitration under the Arbitration and Conciliation Act 1996, with a single mutually agreed arbitrator, seated in India.
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Limitation of Liability
ClaimSarathee's total aggregate liability shall not exceed the total Success Fee paid for the specific case in dispute. We are not liable for indirect or consequential damages, outcomes determined by third parties (insurers, TPAs, courts), or delays caused by circumstances beyond our reasonable control.
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Indemnification
You agree to indemnify and hold harmless ClaimSarathee from any claims, damages, losses, or expenses arising from: your provision of false or fraudulent information; your violation of these Terms; your violation of applicable Indian law; or any third-party claim arising from your actions in connection with your insurance claim.
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Amendments to These Terms
We may revise these Terms at any time. Active clients will be notified via WhatsApp/email at least 7 days before material changes. A homepage notice will be posted for 30 days. Continued use after changes constitutes acceptance. You may terminate your engagement prior to the effective date if you do not accept revised terms.
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Governing Law and Jurisdiction
These Terms are governed by Indian law including: Indian Contract Act 1872, Consumer Protection Act 2019, Insurance Act 1938, IT Act 2000 and Rules, Digital Personal Data Protection Act 2023, and applicable IRDAI Regulations. Disputes subject to exclusive jurisdiction of competent courts in India.
By using ClaimSarathee's services, you acknowledge that you have read these Terms in full, understand their meaning, and agree to be legally bound by them.
