Insurer query
Help understanding and responding to an insurer or TPA query.
Free · India
Need help with a health insurance claim?
Got a query, deduction or claim rejection?
We help you understand what the insurance company is saying and help you prepare your response.
FREE assistance for health insurance policyholders across India.
- 100% Free
- No Success Fee
- No Commission
- No Outcome Guarantee
“We don't promise an outcome.
We help you make your case.”
How ClaimSaathi helps you
-
Tell us what happened
A short form. About five minutes.
-
Share the insurer's message
Forward the email or letter from your insurer or TPA.
-
We help prepare your response
We explain what is being asked and help draft a clear reply.
-
You send it to your insurer
From your own email, on the same thread.
Insurer replied again?
Forward the latest reply to us and we help with the next response — for as long as your claim runs.
Keep your claim in writing
Always use email for important claim communication — and if your insurer or TPA calls you, follow it up by email.
PHONE CALL
IMPORTANT DISCUSSION
FOLLOW-UP EMAIL
The three that matter most
- Reply on the same email thread
- Respond to every insurer query
- Keep copies of everything
After a phone call, send this
“Further to our telephone conversation today, I understand that you have requested the following information/documents… I am recording the same by email for clarity and reference.”
What we help with
Claim rejected
Help understanding the reason and preparing a response or representation where appropriate.
Read the guidancePartial settlement
Help understanding deductions and seeking clarification where appropriate.
Read the guidanceClaim delay
Help preparing written follow-ups or grievance communication where appropriate.
Read the guidanceCashless denied
Help understanding the communication and responding appropriately.
Read the guidanceDocument request
Help responding clearly and keeping the submission properly documented.
Other claim issue
Tell us what happened and we will see how we can assist.
We help. You stay in control.
We help you
- Understand insurer communications
- Organise relevant information
- Prepare suggested responses
- Prepare representations where appropriate
- Keep your communication clear and structured
You remain in control
- The claim remains in your name
- You review the response
- You decide what to send
- You email the insurer directly
- You remain responsible for your claim
ClaimSaathi does not communicate as your insurer, lawyer or authorised representative unless separately and expressly agreed.
Common questions
Is ClaimSaathi really free?
Yes. There is no consultation fee, no success fee, no commission and no percentage of any amount you receive.
Will ClaimSaathi contact my insurance company?
No. You deal with your insurer yourself, from your own email address. We help you prepare what you send.
Can you guarantee my claim will be approved?
No. The decision rests with your insurer. We help you understand the reason given and respond properly.
What happens when my insurer replies again?
Forward the latest reply to us and we help with the next response. This can continue for as long as your claim runs.
Can you help if my claim has already been rejected?
Often, yes. We can help you understand the stated reason and prepare a response or representation where appropriate. Sometimes the honest answer is that the insurer's reason is correct, and we will say so.
Help us keep ClaimSaathi free
ClaimSaathi is free and will remain free. If our assistance has been useful to you and you would like to support the initiative, you may make a voluntary contribution.
Support ClaimSaathiContributing is completely optional and does not affect the assistance you receive.
Need help with your claim?
Tell us what your insurer has said. It is free, and there is no obligation.