Was Your Insurance Claim Rejected or Cut Short?
Let's Fix It. In Minutes.
Upload your claim documents. Our intelligent system instantly checks what went wrong, tells you what's recoverable, and gives you a step-by-step recovery plan.
10,000+
Claims Analyzed
₹50Cr+
Recoverable Identified
68%
Average Recovery Rate
<5
Minutes to Analyze
Why It Feels Hard
Insurance Claims Can Feel Complicated. We Help Make Them Clear.
In India, millions of insurance claims are processed every year. Some are fully settled, while others may be partially paid or need clarification because policy wording and medical documentation can be complex.
This process involves multiple stakeholders, detailed terms, and strict compliance checks. For most families, understanding every clause, requirement, and deduction in real time can be challenging.
fairClaims levels the playing field. Our intelligent system was trained on thousands of Indian insurance policies, claim settlement patterns, and IRDAI regulations to help you understand your claim faster and spot what might otherwise be easy to miss.
"What's a TPA and why did they cut my claim?"
A TPA (Third Party Administrator) supports insurers in reviewing and processing claims. Sometimes deductions can be difficult to interpret from policy language alone. We help you understand them clearly.
"They said I had 'non-disclosure' — is that true?"
Non-disclosure is a common review point during claim assessment. In many cases, the outcome depends on what was documented and whether it is considered material under policy terms. We help you verify this with evidence.
"The hospital bill was ₹2 lakh but I got ₹80,000. Why?"
Claims are often assessed against policy limits, package rates, and "reasonable and customary" rules. This can create gaps between billed and settled amounts. We explain which deductions may be reviewable.
Sound Familiar?
If Any of This Has Happened to You, You're Not Alone
These are the four most common ways policyholders lose money — and all of them can be challenged.
Your claim was fully rejected
Reasons like "policy exclusion," "non-disclosure," or "not medically necessary" are often applied incorrectly. Full rejections can frequently be reversed.
You got less than you expected
Your ₹5 lakh policy paid ₹1.5 lakh. Deductions for "co-pay," "sub-limits," or "non-admissible charges" may not all be legitimate.
They asked for more documents
Repeated document requests are a delay tactic. We help you identify exactly what's needed and in what format so nothing gets rejected again.
You gave up because it felt hopeless
Filing a grievance with IRDAI or the Insurance Ombudsman is your legal right — and it works more often than you think. We guide you through it step by step.
Real Results
Policyholders Are Getting Their Money Back
Here's what's happened since we started helping people fight unfair claim decisions.
₹1Cr+
Recovery Identified for Customers
70%
Of Claims Had Recoverable Amount
< 5 minutes
Average Analysis Time
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
Why Trust Us
Built by People Who Know How the Industry Works — From the Inside
fairClaims was built specifically because we saw how policyholders were being systematically underserved. We combine deep insurance expertise with AI — not the other way around.
Your data is encrypted and private
We use bank-level encryption. Your documents are never sold or shared. You can delete everything at any time.
Built for policyholder clarity and support
Our platform is designed to help policyholders understand outcomes, review claim details, and take informed next steps with confidence.
Aligned with IRDAI regulations
Our analysis is grounded in actual IRDAI guidelines, Ombudsman precedents, and policy terms — not guesswork.
The Team
Sudhakar - Co-founder & CEO
Years of experience in the insurance industry · MBA from IIM Calcutta · Former BCG consultant. Spent years watching policyholders lose money they deserved.
Chinmay - Co-founder & CTO
Decades of building digital products at State Street & Fidelity. Built financial systems that process millions of transactions reliably and securely.
Bank-grade data security
256-bit Encryption
Delete Anytime
Full control of your data
Never Sold
Zero data sharing
Grounded in regulations
IRDAI aligned
Common Questions
Everything You Want to Know
Plain answers. No insurance jargon.