Insurance can be complicated. Understanding it doesn't have to be.
ClaimAssure helps you understand your policy, analyze your claim, organize your evidence and navigate the grievance journey — with AI that cites its sources and never guesses.
- Private by design
- No invented clauses
- Prepared in minutes
Not affiliated with IRDAI, Bima Bharosa or the Insurance Ombudsman. Official portals remain authoritative.
Health claim — pre-existing disease cited
- The insurer’s letterLetter read
- Current stepWhat your documents saySuggestions waiting for you
- Case analysisNot started yet
AI insight · cites your documents
The rejection letter does not identify a specific policy clause.
“7.2 … Any rejection shall state the specific policy clause relied upon.”
Source: policy-schedule.pdf· page 1 · Section 7.2
How it works
One calm, structured journey — from policy to resolution.
- STEP 01
Add your policy
Upload your policy documents. ClaimAssure extracts coverage, waiting periods, exclusions and key clauses — each traced to the exact page it came from.
- STEP 02
Analyze your case
Share a rejection letter or claim decision. ClaimAssure builds a timeline, maps the insurer's position against your policy, and shows what evidence supports you.
- STEP 03
Know your next move
Get a clear, prioritized next action — from closing evidence gaps to preparing a grievance draft — so you always know where you stand.
Built for every stage of your case
Policy Intelligence
Your policy in plain language: coverage, limits, exclusions and waiting periods — every fact cited to the source page.
Claim Intelligence
Understand what happened on a claim, what the insurer relies on, and what the policy actually says.
Evidence Intelligence
A living evidence matrix showing what supports you, what's uncertain, and what's missing.
AI Red Team
We stress-test your case before the insurer does — surfacing weaknesses, contradictions and likely counter-arguments.
Grievance Guidance
Factual, professional grievance drafts you review and approve — never auto-submitted.
Bima Bharosa Navigation
Step-by-step guidance for escalating to Bima Bharosa, with your references and deadlines organized.
Ombudsman Support
From registration to mediation, hearing and award — keep your entire Ombudsman journey structured.
Security & Privacy
- Encrypted in transit, and stored encrypted
- Private document storage — never public
- You control your data: export or delete anytime
- AI answers cite sources; no invented clauses
Pricing
Two plans. Choose the one your case needs.
Pro
RecommendedFor a rejected or short-paid claim: understand it, challenge it and write the grievance.
Included
- Policy analysis
- Case analysis, readiness and insurer-reply analysis
- Challenge My Case (Red Team)
- Grievance Pack
- Up to 2 active cases
Pro Plus
Everything in Pro, for a complaint that goes on to Bima Bharosa or the Ombudsman.
Included
- Everything in Pro
- Bima Bharosa and Ombudsman tracking
- Unlimited active cases
What happened to your claim?
- Claim rejected for pre-existing disease (PED) — how do I check if the insurer is right?Test a PED rejection against your own dates: the 36-month definition, the waiting period, continuous cover and porting credit, and what to send the insurer.
- How to file a health insurance reimbursement claim after paying the hospital yourselfA step-by-step health reimbursement claim: notice, documents, deadlines, proof of sending, the 15-day settlement rule and interest if the insurer is late.
- How to file a life insurance death claim: steps and documentsFiling a death claim with a life insurer in India: how to intimate it, which documents to send, what changes for early claims, and how long settlement can take.
- Car or bike insurance claim rejected — what the reason means and how to respondMotor claim rejected? Match the reason to the clause, test it against IRDAI's limits on rejections, then go to the insurer, Bima Bharosa or the Ombudsman.
- How do I read my health insurance policy and find the clause that answers my question?Where each answer sits in an Indian health policy: the schedule, CIS, definitions, limits, waiting periods, exclusions and claim conditions, in reading order.
- The insurer keeps asking for more documents — how should I respond?How to answer repeated insurance claim document requests in India: one complete reply, a covering letter outline, proof of sending, and the rules on documents.
- How do I write a complaint email to my insurance company?A fill-in structure for a complaint email to your insurer in India: the subject line, the paragraphs to write, what to attach, and the mistakes to avoid.
- What is Bima Bharosa, and when should I use it?Bima Bharosa, IRDAI's insurance grievance portal, explained: what happens to a complaint there, when to use it, and what it does not do, such as decide claims.
Frequently asked questions
Is ClaimAssure affiliated with IRDAI, Bima Bharosa or the Ombudsman?
No. ClaimAssure is an independent private platform. Official portals remain the only authoritative systems; we help you prepare information and track references you receive from them.
Can ClaimAssure guarantee my claim will be approved?
No — and no honest platform can. Our readiness score measures preparedness, not probability of success. We show strengths, weaknesses and missing evidence so you can act.
Who can see my documents?
Only you. Documents are stored privately with strict account isolation, and AI analysis is scoped to your own cases.
Does ClaimAssure give legal advice?
No. ClaimAssure provides informational analysis of the documents you provide. It is not legal advice and does not replace professionals.