How it works

You forward what the insurer sent. We help you prepare the reply. You send it. Repeat as long as your claim runs.

  1. Step 1: Tell us what happened

    Fill in the short form, or simply email us. A few lines about the claim is enough to start.

  2. Step 2: Share the insurer's message

    Forward the insurer's or TPA's email — the whole thread, not a screenshot — with any attachments.

  3. Step 3: We help prepare your response

    We work out what is being asked and draft a reply that answers each point, in plain language.

  4. Step 4: You send it to your insurer

    Check it, change anything you want, then send it from your own email — ideally 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.

listen@claimsathi.org

What to send us

Send what you have. If something is missing, that is useful to know too.

The insurer's email or letter

The complete thread, with attachments.

Your policy papers

Policy schedule and, if you have it, the terms and conditions.

Hospital papers

Discharge summary and the final bill, if they relate to the issue.

A few lines from you

What happened, and what you have been told so far.

Send only what the claim needs

Please don't send Aadhaar, PAN or bank statements unless a document genuinely needs them. We will never ask for passwords, OTPs or PINs.

Questions about how this works?

Is it really free, will you contact my insurer, can you guarantee anything — the FAQ answers all of it.

Ready to start?

Tell us what your insurer has said. It takes about five minutes.