I never guess. Every answer is quoted from your policy.
Hi, I'm Sarathi. Your AI guide. Show me a policy — one you have, or one you're considering — and I'll pull out exactly what it will, and won't, do for you. Quoted from the document itself.
See what a policy really covers — before you sign.
Upload a policy you have — or one you're considering — and in about a minute see the real exclusions, waiting periods, sub-limits and the clauses that frequently get claims rejected, quoted from the policy itself. Already had a claim rejected? I'll show you where you stand and how to fight it.
What brings you here?
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.
Voice typing uses your browser's speech service (Google on Chrome) to turn audio into text.
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.
Not an agent. We don't sell policies and take no commission.
About a minuteEnglish · हिंदी
What you'll get
Every exclusion, cap & waiting periodWhat the policy covers — and what it won't — in plain English. Save as PDF or share, account-free.
A clear claim verdictCovered, partial, or not — quoted from your own policy, never guessed.
What you'll actually get backnewEnter your bill — see your real payout vs. the shortfall, each cut traced to a clause.
Your deadlines, counting downnewThe 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.
Most policies look fine — until you claim. In India the real damage is quiet: health claims pay out just 71% of claim value (IRDAI 2023-24), and on a motor own-damage claim, parts like tyres and batteries are reimbursed at only ~50% (depreciation). The gaps hide in sub-limits, waiting periods and exclusions you never read.Scan a policy with ClaimSarathi before you commit lakhs over decades — and catch those traps first.
Health: only 71% of claim value paid — IRDAI 2023-24 · Motor: ~50% parts depreciation — India Motor Tariff GR.9
Not legal or financial advice. Verify with your insurer.
Claim short settled? Why the payout came in below the bill — and how to recover the difference
When the insurer pays, but pays less than the hospital bill, that is a short settlement — and you do not have to simply accept the gap. An underpaid claim can be challenged through exactly the same free escalation path as a rejected one. The first step is understanding what was cut and why.
Step 1 — get the deduction worked out line by line
Ask the insurer, in writing, for the settlement statement with every deduction itemized: which bill line was cut, by how much, and under which policy clause. Everything below — and any grievance you file — is built on that sheet.
The usual cuts, and which are challengeable
The biggest single cause is the room-rent limit: take a costlier room than the policy's cap and the insurer can scale down linked charges proportionately. But IRDAI's proportionate-deduction norms limit how far that goes — the cut cannot be applied to ICU charges, or to implants, pharmacy, diagnostics and medical devices, and if the hospital doesn't price rooms differently by category there is no basis for a proportionate deduction at all. Our room-rent guide walks through the arithmetic.
Cuts that the policy wording itself sets — a room-rent cap, disease sub-limits, a co-pay percentage — are legitimate if applied as written. The question a short-settled claim turns on is whether they were applied correctly, and the line-by-line sheet is what shows that.
Run your own numbers
ClaimSarathi's claim check can include a shortfall calculator: give it the hospital bill (and the room rent you took), and it estimates what the policy should pay and what stays out of pocket — each cut shown next to the clause in your own policy that drives it. Compare that estimate with what the insurer actually paid to size the gap for your grievance. It appears when the scan verifies your sum insured and the relevant limit clauses.
The recovery path (free at every step)
Raise a written grievance with the insurer's Grievance Redressal Officer citing the specific deductions you dispute — the insurer must respond in about 15 days. Unresolved or unsatisfactory? Escalate on IRDAI's Bima Bharosa portal (bimabharosa.irdai.gov.in). Still short-changed? The Insurance Ombudsman is free and binding on the insurer, with an award cap of about ₹50 lakh — file within 1 year.
General guidance — verify against your policy wording and the cited IRDAI sources. Sources: IRDAI 'Norms on Proportionate Deductions' (2020) / Master Circular on Health Insurance Business, 29 May 2024; Insurance Ombudsman Rules 2017 (amended Nov 2023).
Frequently asked
Can I challenge a claim that was paid, just paid less?
Yes. A short settlement follows the same free path as a rejection: written grievance to the insurer's GRO, then IRDAI's Bima Bharosa portal, then the Insurance Ombudsman (free, binding on the insurer, cap about ₹50 lakh, file within 1 year).
Which deductions are NOT allowed?
Under IRDAI's proportionate-deduction norms, a room-rent-based proportionate cut cannot be applied to ICU charges, or to implants, pharmacy, diagnostics and medical devices — and there is no basis for one at all if the hospital doesn't price rooms differently by category.
What do I need before filing a grievance?
The insurer's settlement statement with each deduction itemized — which line was cut, by how much, under which policy clause. Ask for it in writing; your grievance disputes specific lines, not the total.
IRDAI 'Norms on Proportionate Deductions' (IRDAI/HLT/REG/CIR/151/06/2020, eff. 1 Oct 2020), carried into the IRDAI Master Circular on Health Insurance Business, 29 May 2024; Insurance Ombudsman Rules 2017 (award cap raised to ₹50 lakh, Nov 2023 amendment) · As of 2026-07-04