FairClaims turns confusing insurance decisions into a clear path forward—so you can understand your rights, build your case, and keep care moving.
fairClaims / case clarity
Health claim review
We found 3 items to check before you submit.
Why claims get rejected
We help you get it right the first time.
A large share of Indian health claims are rejected or partially paid, not because the patient wasn't covered, but because of avoidable filing mistakes and missing documentation. We guide you before you submit.
fairClaims guides you before you submit. Our AI was trained on thousands of Indian insurance policies, IRDAI regulations and claim patterns, so your submission is complete, compliant, and hard to dispute.
Missing even one required document is the most common reason insurers delay or partially pay. The list depends on your policy, insurer and diagnosis. We generate your personalised checklist instantly.
Sub-limits, waiting periods and exclusions vary widely. Filing without confirming coverage often leads to avoidable cuts. We check your policy before you submit.
Insurers assess against package rates, co-pay clauses and 'reasonable and customary' benchmarks. We flag every deduction risk before you file.
A fairer way forward
FairClaims helps you understand your policy, prepare the right evidence, and move forward with confidence — before confusion costs you time or money.
01 / UNDERSTAND
We check your policy before you submit.
02 / PREPARE
We generate your personalised checklist instantly.
Less uncertainty. More confidence.
From your first question to your next step, FairClaims keeps the process human.
Real people, real confidence
Google rating · 21 reviews5.0 ★★★★★“Policy Gaido helped me get the policy details for my mother. She is a survivor and Policygaido helped me narrow down the policy that is most suitable to my needs. Their AI mode is excellent - it goes beyond the other typical chatbots with set answers. In the times of confusion and information explosion, Policygaido helps you precisely and effectively. Thank you team for helping me.”
Mandar Raut
“I used Policygaido portal to compare health insurance and purchase a policy online. This portal is very convenient and easy to use. Policygaido suggested multiple plans on the basis of my details, so I could compare multiple policies in one place. All policy terms, inclusions and exclusions were clearly mentioned with no hidden charges. Team Policygaido was responsive and helpful throughout the process.”
Gauri Mulye
“I live abroad, but my parents recently moved back to India. I used Policygaido's AI insurance advisor, and it helped me understand how Indian health insurance works and compare different policies for my parents' needs. It didn't feel rushed or sales-driven - I was able to take my time. I believe I was able to take an informed decision. Peace of mind!”
Punam Mahajan
“I had a fantastic experience with the Insurance company. They are very helpful and polite in explaining the terms and conditions of the policy, which allowed me to buy the insurance confidently.”
Deepa Reddy
“I was able to do the research on my own, without unnecessary anxiety. I got a policy for my parents. Best part was no irritating spam calls.”
Bindu K
“Finally, an insurance site that speaks human. No confusing jargon, just clear comparisons and a smooth checkout process. It saved me a lot of time and, more importantly, a lot of frustration.”
Hemanth Loku
“Got my queries resolved within minutes and support was available even late at night.”
Krishnakar Reddy Alla
“Policy Gaido helped me get the policy details for my mother. She is a survivor and Policygaido helped me narrow down the policy that is most suitable to my needs. Their AI mode is excellent - it goes beyond the other typical chatbots with set answers. In the times of confusion and information explosion, Policygaido helps you precisely and effectively. Thank you team for helping me.”
Mandar Raut
“I used Policygaido portal to compare health insurance and purchase a policy online. This portal is very convenient and easy to use. Policygaido suggested multiple plans on the basis of my details, so I could compare multiple policies in one place. All policy terms, inclusions and exclusions were clearly mentioned with no hidden charges. Team Policygaido was responsive and helpful throughout the process.”
Gauri Mulye
“I live abroad, but my parents recently moved back to India. I used Policygaido's AI insurance advisor, and it helped me understand how Indian health insurance works and compare different policies for my parents' needs. It didn't feel rushed or sales-driven - I was able to take my time. I believe I was able to take an informed decision. Peace of mind!”
Punam Mahajan
“I had a fantastic experience with the Insurance company. They are very helpful and polite in explaining the terms and conditions of the policy, which allowed me to buy the insurance confidently.”
Deepa Reddy
“I was able to do the research on my own, without unnecessary anxiety. I got a policy for my parents. Best part was no irritating spam calls.”
Bindu K
“Finally, an insurance site that speaks human. No confusing jargon, just clear comparisons and a smooth checkout process. It saved me a lot of time and, more importantly, a lot of frustration.”
Hemanth Loku
“Got my queries resolved within minutes and support was available even late at night.”
Krishnakar Reddy Alla
“Got my queries resolved within minutes and support was available even late at night.”
Krishnakar Reddy Alla
“Finally, an insurance site that speaks human. No confusing jargon, just clear comparisons and a smooth checkout process. It saved me a lot of time and, more importantly, a lot of frustration.”
Hemanth Loku
“I was able to do the research on my own, without unnecessary anxiety. I got a policy for my parents. Best part was no irritating spam calls.”
Bindu K
“I had a fantastic experience with the Insurance company. They are very helpful and polite in explaining the terms and conditions of the policy, which allowed me to buy the insurance confidently.”
Deepa Reddy
“I live abroad, but my parents recently moved back to India. I used Policygaido's AI insurance advisor, and it helped me understand how Indian health insurance works and compare different policies for my parents' needs. It didn't feel rushed or sales-driven - I was able to take my time. I believe I was able to take an informed decision. Peace of mind!”
Punam Mahajan
“I used Policygaido portal to compare health insurance and purchase a policy online. This portal is very convenient and easy to use. Policygaido suggested multiple plans on the basis of my details, so I could compare multiple policies in one place. All policy terms, inclusions and exclusions were clearly mentioned with no hidden charges. Team Policygaido was responsive and helpful throughout the process.”
Gauri Mulye
“Policy Gaido helped me get the policy details for my mother. She is a survivor and Policygaido helped me narrow down the policy that is most suitable to my needs. Their AI mode is excellent - it goes beyond the other typical chatbots with set answers. In the times of confusion and information explosion, Policygaido helps you precisely and effectively. Thank you team for helping me.”
Mandar Raut
“Got my queries resolved within minutes and support was available even late at night.”
Krishnakar Reddy Alla
“Finally, an insurance site that speaks human. No confusing jargon, just clear comparisons and a smooth checkout process. It saved me a lot of time and, more importantly, a lot of frustration.”
Hemanth Loku
“I was able to do the research on my own, without unnecessary anxiety. I got a policy for my parents. Best part was no irritating spam calls.”
Bindu K
“I had a fantastic experience with the Insurance company. They are very helpful and polite in explaining the terms and conditions of the policy, which allowed me to buy the insurance confidently.”
Deepa Reddy
“I live abroad, but my parents recently moved back to India. I used Policygaido's AI insurance advisor, and it helped me understand how Indian health insurance works and compare different policies for my parents' needs. It didn't feel rushed or sales-driven - I was able to take my time. I believe I was able to take an informed decision. Peace of mind!”
Punam Mahajan
“I used Policygaido portal to compare health insurance and purchase a policy online. This portal is very convenient and easy to use. Policygaido suggested multiple plans on the basis of my details, so I could compare multiple policies in one place. All policy terms, inclusions and exclusions were clearly mentioned with no hidden charges. Team Policygaido was responsive and helpful throughout the process.”
Gauri Mulye
“Policy Gaido helped me get the policy details for my mother. She is a survivor and Policygaido helped me narrow down the policy that is most suitable to my needs. Their AI mode is excellent - it goes beyond the other typical chatbots with set answers. In the times of confusion and information explosion, Policygaido helps you precisely and effectively. Thank you team for helping me.”
Mandar Raut
Who's Behind Gaido
Not another startup guessing at insurance. We've spent years inside the industry, and left to fix what we saw.
Co-founder · GTM & Product
Sudhakar brings deep expertise in insurance, product strategy, and healthcare technology from elite institutions. As Product Lead and Strategy Lead at Prudential plc, he spearheaded the investment proposal and business case for Prudential's India market entry. His career spans strategic consulting at Boston Consulting Group (BCG), where he shaped digital strategies for major insurance companies, conglomerates and public platforms. Sudhakar is a software engineer at heart and has experience in engineering at Bosch, where he developed active vehicle safety software. Sudhakar holds an MBA from IIM Calcutta, dual degrees from IIT Madras and completed CFA Level 1.
Co-founder · Product & Engineering
Chinmay is a builder and product thinker who has spent over a decade turning complex financial problems into elegant digital experiences. His experience from the US Healthcare industry where he saw trust is the key to distribution, not the other way around, led to the co-founding of Policygaido. Before Policygaido, Chinmay led engineering and product teams at leading US financial institutions, where he shipped AI-powered decision support systems, wealth management platforms, and mission-critical compliance infrastructure at enterprise scale. His deepest product insight came from building a system that helped thousands of Americans navigate health insurance enrollment with confidence, an experience that seeded the vision for what Gaido AI could become in India. Chinmay holds a Master's in Computer Science and completed entrepreneurship studies at Harvard Business School.
Support that meets you where you are
Start free with AI-powered clarity, then move to assisted support when you want expert-backed guidance through insurer follow-ups, grievance escalation, and tougher disputes. Filing a fresh reimbursement? Get your claim file professionally prepared before you submit it.
Get instant AI guidance on coverage, document requirements, and filing steps, before you ever submit.
Best for anyone filing a new claim or reviewing a pending one before it's settled.
Paid the hospital yourself? We build your reimbursement file before your insurer sees it — checked for the queries that stall claims.
Best when hospitalization is complete and you haven't submitted the claim yet.
Move from self-serve clarity to expert-backed direction when the claim stakes are higher.
+ 10% + GST success fee on the amount recovered
Best for complex, high-value, or heavily disputed claims.
Common questions
Plain answers, practical guidance, and no insurance jargon standing between you and your next step.
Ready when you are
Upload your documents and find your clearest next step in about five minutes.