Terms of Service

Last updated: May 30, 2026

Plain English summary: ClaimBack is an AI tool that helps you draft health insurance appeal letters. It is not a law firm and does not provide legal advice. Your appeal outcome is not guaranteed. By using ClaimBack, you agree to these terms.

1. Who We Are

ClaimBack ("we", "our", "us") is an AI-powered service that helps individuals draft appeal letters and understand their options when a health insurance claim has been rejected in India. We are currently operating as a beta product.

2. What ClaimBack Does

ClaimBack provides:

AI-powered analysis of your health insurance rejection documents
A win probability assessment based on IRDAI regulations
A professionally drafted appeal letter
A 4-level escalation plan (Grievance Officer → IRDAI → Ombudsman → Consumer Court)
Ready-to-send escalation emails/complaints for each level

3. What ClaimBack Does NOT Do

ClaimBack is not a law firm and does not provide legal advice. Specifically:

We do not represent you in any legal or quasi-legal proceedings
We do not guarantee any outcome from your appeal
Our AI analysis is not a substitute for advice from a licensed insurance lawyer or advisor
We do not file appeals on your behalf — you must send the generated documents yourself

4. Fees and Payment

ClaimBack charges a flat fee of ₹999 per case analysis. This fee is non-refundable once the AI analysis has been generated and delivered to you. Payment is processed securely via Razorpay.

During the beta period, the service may be offered free of charge to invited testers.

5. AI Disclaimer

Our analysis is generated by artificial intelligence (Anthropic Claude) based on your uploaded documents and our knowledge of IRDAI Health Insurance Regulations 2016, Insurance Ombudsman Rules 2017, and the Consumer Protection Act 2019. AI can make errors. We strongly recommend you review all generated content before sending it to any party.

The win probability score is an estimate based on pattern recognition across regulations and your documents. It is not a legal opinion and not a prediction of outcome.

6. Your Documents and Data

You retain full ownership of all documents you upload. By uploading documents, you grant ClaimBack a limited licence to process them solely for the purpose of generating your analysis and appeal letter.

We do not share your documents with third parties except as required by law. See our Privacy Policy for full details.

7. Acceptable Use

You agree to use ClaimBack only for legitimate health insurance claim appeals. You must not:

Upload documents that are fraudulent, forged, or misleading
Use ClaimBack for any claim other than your own (or an immediate family member's)
Attempt to reverse-engineer or scrape our AI outputs for commercial use

8. Limitation of Liability

ClaimBack's total liability to you for any claim arising out of use of our service is limited to the fee you paid for the specific case (maximum ₹999). We are not liable for any indirect, consequential, or special damages, including but not limited to loss of claim proceeds.

9. Changes to These Terms

We may update these Terms from time to time. Continued use of ClaimBack after any changes constitutes your acceptance of the updated Terms.

10. Governing Law

These Terms are governed by the laws of India. Any disputes shall be subject to the jurisdiction of courts in Mumbai, Maharashtra.

11. Contact

For any questions about these Terms, contact us at support@claimback.co.in.