Upload your documents. Our AI reads IRDAI regulations, finds every gap in the rejection, and writes your professional appeal — with your estimated recovery amount and win probability.
Free during beta · Works in your browser · No lawyer needed
Insurance companies have legal teams. Until now, you didn't.
Traditional services take 1–2 weeks. ClaimBack delivers your appeal letter and full analysis in under 3 minutes.
We identify specific legal gaps in the insurer's reasoning — citing the exact IRDAI regulation that applies to your case, not a generic template.
Estimated recovery amount (min–max) and win probability calculated upfront — so you go in with eyes open, not blind faith.
Documents encrypted, stored in India (Mumbai), processed solely for your analysis. Compliant with India's DPDP Act 2023. We never sell your data.
No legal jargon. No appointments. No waiting. Upload all documents before you pay — re-running analysis requires a fresh payment.
More documents = higher confidence + more accurate estimate. Upload everything you have before proceeding.
Cross-references your documents against IRDAI Health Insurance Regulations 2016 and Insurance Ombudsman Rules 2017 to find every gap in the rejection.
Win probability score, estimated recovery amount (min–max), gap analysis with regulation citations, and a professionally drafted appeal letter.
4 escalation paths with ready-to-send emails: Grievance Officer → IRDAI Bima Bharosa → Ombudsman → Consumer Court docket.
Your output — and its confidence level — depends on which documents you upload. The app will always tell you how to improve your analysis before you pay.
Average claim value is ₹31,086. Spending ₹499–₹999 to fight for it is a straightforward decision — and still 5.5× cheaper than traditional services.
Upgrade anytime for ₹799 — not ₹500. Fresh analysis runs in full.
vs. ₹5,502 average at traditional services. 5.5× cheaper, 500× faster.
🎉 Beta is completely free. Sign up free on the web and use ClaimBack at no cost during beta.
Your HR department spends hours helping employees fight rejected claims. ClaimBack cuts that to minutes — per case — at a fraction of traditional service costs.
Your HR person is drowning in claim disputes on top of their regular duties. They need a tool that turns hours of research into a polished appeal letter in 3 minutes.
Discuss your plan →Rejected claims are bleeding your benefits budget. Your HR team knows the patterns but doesn't have time to fight each one individually. ClaimBack scales their advocacy.
Discuss your plan →At scale, claim rejections cost you millions annually. You need a standardised, auditable process your HR can deploy across the entire employee base — and we can customise it.
Discuss your plan →We'll review your group health policy, case volume, and team size to design a plan that works.
| Feature | ClaimBack | Insurance Samadhan | Do It Yourself |
|---|---|---|---|
| Time to appeal letter | 3 minutes | 1–2 weeks | Days to weeks |
| Cost | ₹499–₹999 flat | ₹999 + 15% of claim | Free (complex) |
| Estimated recovery amount | ✓ Yes | ✗ No | ✗ No |
| Gap analysis with IRDAI citation | ✓ Specific regulation | ✓ Yes | ✗ Unlikely |
| 4-level escalation plan | ✓ Yes | ✗ You manage | ✗ You manage |
| Win probability score | ✓ AI-calculated | ✗ No | ✗ No |
Once you've sent your appeal, come back and update your outcome. Your real-world result helps us improve accuracy for every claimant who comes after you — and we reward you for it.
Update your case status (won, lost, pending, escalated) and upload any supporting document — insurer response, TPA letter, Ombudsman acknowledgement, or any correspondence.
Upload your settlement letter, final approval from the insurer, or payment confirmation showing the claim was resolved in your favour (full or partial).
Vouchers are issued as Amazon or Flipkart gift codes via email. One voucher per case. Verification is automated — documents are checked for authenticity by our AI. Fraudulent uploads will result in disqualification. Programme is active during beta and subject to change. No cash alternative. Not a cashback or financial service.
Invite-only. Completely free. Works right in your browser.
No app download needed. Sign up with your email, upload your documents, and get your appeal — right from your browser.
iOS app in beta · Android coming soon · support@claimback.co.in
Upload all three for the most accurate result: (1) Insurance policy document — lets us cross-reference your actual coverage terms. (2) Rejection or partial approval letter — minimum required to run any analysis. (3) Itemised hospital bills — helps us verify the billed vs. claimed amount and sharpen your recovery estimate. More documents = higher confidence level and a more precise win probability. Important: upload everything before you pay. Re-running analysis requires a fresh payment because the full AI analysis must be re-executed — there is no "top-up" option.
Every analysis — including a re-run — reads your documents end-to-end using AI. There is no cached "partial" result we can build on. Adding new documents means running the full process again from scratch: re-reading every page, re-cross-referencing every IRDAI regulation, and regenerating your appeal letter. That costs real compute and AI processing — and we pass it on honestly rather than baking it into a higher initial price. We surface this prominently before you pay so you have every opportunity to upload all documents first. That's just being fair to you.
The win probability (0–100%) is an AI assessment of how likely your appeal is to succeed, based on your rejection reason, policy terms, and applicable IRDAI regulations. The estimated recovery (min–max range) is derived from your claimed amount, the identified gaps, and patterns from similar appeal outcomes. Important disclaimer: these are AI-generated estimates for informational guidance only. They are not a guarantee or prediction of outcome, and do not constitute legal advice. Actual results depend on the insurer's response, the Ombudsman's discretion, and facts not visible in your documents. Confidence level (Low / Medium / High / Very High) tells you how complete your document set is for the analysis.
Gaps are points where the insurer's rejection reasoning does not align with IRDAI Health Insurance Regulations 2016, your specific policy terms, or Insurance Ombudsman Rules 2017. For example: a pre-existing disease exclusion applied beyond IRDAI's permitted waiting period limits, or a sub-limit enforced without clear disclosure at policy issuance. Each gap is cited with the specific regulation number — not generic language.
No. ClaimBack is an AI-powered document analysis and drafting tool — a software product, not a law firm and not an insurance intermediary. We are not regulated by IRDAI (which regulates insurance companies and licensed intermediaries). We are not regulated by the Bar Council (which regulates lawyers). Our service is informational — we help you understand your position and draft appeal documents. For complex legal proceedings, we recommend consulting a licensed insurance lawyer, particularly for Consumer Court matters.
ClaimBack is committed to compliance with India's Digital Personal Data Protection Act 2023 (DPDP Act). Your documents are: (1) processed solely for generating your analysis and appeal letter; (2) stored encrypted in India (AWS Mumbai, ap-south-1); (3) never sold, shared, or used for any other purpose; (4) retained for 12 months then deleted automatically. You may request access, correction, or erasure of your data at any time by emailing support@claimback.co.in. See our full Privacy Policy for details.
After sending your appeal, come back to the ClaimBack app and update your outcome — won, lost, pending, or escalated. Upload any document related to the outcome (insurer response, TPA letter, settlement letter, approval email, etc.). Our AI verifies the document within 48–72 hours. If it passes, we email you an Amazon or Flipkart gift voucher: ₹200 for any valid outcome document, ₹300 for a settlement letter or formal approval confirming your claim was resolved. Even if you lost, update your outcome — we value all data and still send ₹200. One voucher per case. No cash alternative. See the Close the Loop section above for full details.
ClaimBack provides you with all tools and documents to pursue every available statutory remedy. If all four levels are exhausted without resolution, the Consumer Court docket we provide (Level 4) is your final formal option and requires a lawyer to represent you in proceedings. We do not provide legal representation. At that stage, we recommend engaging a licensed insurance lawyer — and we plan to partner with legal referral services to help you find one.