Has your claim been rejected or underpaid? Get every rupee you deserve.
Done in Minutes.
Upload your policy and hospital documents. Gaido AI reviews your coverage, catches the filing gaps that lead to rejections and underpaid settlements, and guides you through a watertight claim. So you win the full, fair payout you are rightfully owed.
Why Claims Get Rejected
Most Claim Issues Are Preventable. We Help You Get It Right the First Time.
In India, a large share of insurance claims are rejected or partially paid, not because the policyholder wasn't covered, but because of avoidable filing mistakes and missing documentation.
Policy language, sub-limits, co-pay clauses, and IRDAI compliance checks are complex. Submitting without a clear understanding of all requirements gives insurers easy grounds to delay, cut, or deny.
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.
"What documents do I actually need to file my claim?"
Missing even one required document is the most common reason insurers delay or partially pay claims. The exact list depends on your policy type, insurer, and diagnosis. We generate your personalised document checklist instantly.
"Does my policy actually cover this treatment?"
Sub-limits, waiting periods, and exclusions vary widely across policies. Filing without confirming coverage details often leads to partial payments or rejections that could have been avoided. We check your policy coverage before you submit.
"How do I make sure my claim isn't cut short?"
Insurers assess claims against package rates, co-pay clauses, and "reasonable and customary" benchmarks. Knowing these in advance lets you document your case correctly. We flag every deduction risk before you file.
Why Claims Fail
4 Avoidable Mistakes That Lead to Rejected or Cut-Short Claims
Most claim issues come down to the same preventable errors. Our AI checks all four before you ever press submit.
Filing without knowing your exclusions
Exclusions, waiting periods, and "non-disclosure" grounds catch most policyholders off guard. We check your policy before you submit so there are no surprises.
Overlooking sub-limits and co-pay clauses
A ₹5 lakh policy can pay out ₹1.5 lakh if sub-limits and co-pay terms aren't accounted for. We show you what to expect, before the bill arrives.
Submitting an incomplete document set
A single missing document is enough for an insurer to delay or partially settle your claim. We generate a complete, personalised checklist so you submit right the first time.
Not knowing your IRDAI rights
Most policyholders don't realise how much protection IRDAI regulations give them. We make sure your claim is filed with every regulation working in your favour.
My father's heart surgery claim was cut from ₹4.2 lakh to ₹1.8 lakh. I had no idea where to start. fairClaims found three incorrect deductions the TPA had made and gave me exact letters to send. We recovered ₹1.4 lakh.
Rajesh K.
Bengaluru
They rejected my claim saying I didn't disclose a pre-existing condition. I was panicking. The analysis showed the condition wasn't even related to my hospitalization, a legally invalid rejection. Claim approved in 3 weeks.
Priya M.
Mumbai
I'm not from a finance background and the rejection letter made no sense to me. fairClaims broke it down in simple language, told me what I could fight, and I didn't have to pay anything upfront. Highly recommend.
Anita S.
Pune
Who's Behind Gaido
Built by people who saw the problem from the inside
Not another startup guessing at insurance. We've spent years inside the industry, and left to fix what we saw.
Sudhakar Reddy
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.
Chinmay Khasnis
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.
Choose the support that fits your needs
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.
Always Free
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.
Assisted
RecommendedMove 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
Everything You Want to Know
Plain answers. No insurance jargon.
You Paid for This Coverage.
Make Sure You Get It.
Upload your claim documents right now. In 5 minutes, you'll know exactly what you're owed, and how to win every rupee of it.
No credit card. No money required to start.