Know exactly where your claim stands.
Upload your policy, tell me what happened, and in about a minute you get a clear verdict — quoted from your own policy — and the exact steps to take.
Your PDF is analysed, then deleted — we don't store it. Save a pack and we keep it encrypted, tied to your email, until you delete it.
So we count your claim deadlines down to the day.
I'll automatically detect whether this is a health or motor policy — no need to choose.
- A clear verdictCovered, partial, or not — quoted from your own policy, never guessed.
- What you'll actually get back newEnter your bill — see your real payout vs. the shortfall, each cut traced to a clause.
- Your deadlines, counting down newThe windows that matter — intimation, documents, settlement — ticking live.
- A ready-to-send claim messageDrafted for you from your situation — just fill in the blanks and send.
- If you're denied, how to fight backThe escalation path: your insurer → IRDAI → Ombudsman, with the timelines.
- Key terms, and take it with youYour policy in a 1–2 page summary — save as PDF or share, account-free.
In India, claims are rarely rejected outright — the real damage is quieter. Health claims pay out just 71% of claim value (IRDAI 2024-25); on a motor own-damage claim, parts like tyres and batteries are reimbursed at only ~50% (depreciation). The shortfall hides in sub-limits, depreciation and deductions you never read.ClaimSarathi reads your policy in the moment of crisis — and catches those traps first.
Health: only 71% of claim value paid — IRDAI 2024-25 · Motor: ~50% parts depreciation — India Motor Tariff GR.9
Not legal or financial advice. Verify with your insurer.
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