Don't Accept
Partial Payments
Insurers often apply arbitrary deductions. We challenge unfair short-settlements and ensure you get every rupee you're entitled to.
Why Claims are Short-Settled
Insurers use complex jargon and "non-medical" exclusions to reduce payouts. 70% of settled claims leave significant eligible money on the table.
Room Rent Capping
Illegal deductions applied when hospitals charge slightly above your room-rent limit.
Consumable Cuts
Essential medical disposables unfairly marked as non-medical or disallowed.
Network Rates
Applying lower "negotiated rates" even when the hospital claims higher costs.
Incorrect Copay
Forcing copayments that don't exist in your policy or miscalculating the ratios.
Post-Hospitalization
Arbitrary rejection of follow-up bills, medicines, and diagnostic tests.
Incremental Penalty
Proportionate deductions on doctor fees, surgeries, and all bill components.
Our Recovery Protocol
A line-by-line audit and clinical challenge to reclaim your lost settlement money.
Line-by-Line Audit
- Original bill vs payout gap
- Policy clause verification
- Deduction logic challenge
- Recovery potential map
Clinical Justification
- Doctor certification letters
- Medical necessity audits
- Cost benchmark reporting
- Precedent law research
Aggressive Recovery
- Revised settlement filing
- Grievance team negotiation
- Ombudsman escalation
- Legal interest penalty
Wealth Left on the Table
Room Rent
- Incremental deletions
- Sub-limit errors
- ICU capping
- Nursing charges
Medical Costs
- Surgeon fee cuts
- OT charge reductions
- Consultation caps
- Diagnostic gaps
Implants
- Stent cost cuts
- Joint replacement gaps
- Device depreciation
- Panel rate errors
Non-Medical
- Illegal item cuts
- PPE kit reductions
- Service charge gaps
- Documentation fees
Why Trust Our Audit Team
Clinical Depth
Doctors who understand medical bills better than insurance clerks.
Legal Strength
Consumer protection experts specializing in insurance claim recovery.
Max Recovery
Dedicated to finding every single rupee missed in the initial payout.
No Upfront Fee
Zero risk. You only pay a small portion of the additional money we recover.
Precedent Data
Access to thousands of solved cases to use as leverage in negotiations.
Direct Advocacy
We talk to the insurers so you don't have to experience the frustration.