Specialized consultancy for rejected, delayed, underpaid, and disputed health insurance claims — by a Doctor with LLB and 20+ years of TPA & insurance expertise.
Expert consultancy across all types of health insurance claim disputes — from simple underpayments to complex rejections.
Pre-existing disease disputes, room rent deductions, cashless denials, underpayment, policy interpretation, and delayed settlements.
Know MoreFIR and MLC document support, hospital record verification, GPA benefit analysis, PTD/PPD disability claim guidance.
Know MoreCancer, cardiac conditions, stroke, kidney failure, organ transplant — CI claim disputes reviewed medically and legally.
Know MoreVerify eligibility, prepare documents, and follow up on unpaid hospital daily cash benefits in your policy.
Know MoreProfessional investigation and medical verification for insurers, TPAs, hospitals, corporates, and legal professionals.
Know MoreDocumentation compliance, consent formats, medical record audits, and annual subscription plans for doctors and hospitals.
Know MoreMost consultants are either medically trained or insurance-trained. We are both.
Led by Dr. Bharat — a medical doctor with an LLB degree who evaluates every claim dispute from both clinical and legal perspectives simultaneously.
Deep expertise across health insurance, TPA operations, hospital administration, and claim adjudication — we know exactly how the system works from the inside.
Consult from anywhere in India. Share your rejection letter on WhatsApp +91 88281 22157 for immediate expert review without leaving home.
Every claim is reviewed individually. No templated responses — only case-specific strategy and documentation support tailored to your situation.
We do not guarantee claim approvals — only the strongest professional representation. Transparent, ethical, and always in your best interest.
We serve individuals, doctors, hospitals, corporates, TPAs, insurance companies, and legal professionals across all industries.
From your first WhatsApp message to claim resolution.
Send your policy, rejection letter, discharge summary, and bills via WhatsApp or email.
Our team reviews the claim medically and technically within 24 hours.
We explain what went wrong and outline the best path forward for your case.
We prepare representation letters, appeals, and follow up until resolved.
"Professional guidance and quick response helped us understand exactly why our claim was rejected and what documents were needed for the appeal. Highly recommended."
"Very experienced team with strong medical and insurance knowledge. Dr. Bharat personally reviewed our critical illness case and guided us step by step through the entire appeal process."
"We engaged Saarthi for employee group claim disputes. Their TPA process knowledge is exceptional. They helped our employees recover significant claim amounts."
Yes, depending on the reason for rejection and supporting documentation. Many rejections can be successfully challenged through a representation letter, appeal to the insurer, or complaint to the Insurance Ombudsman or IRDAI. Time limit is typically one year from the insurer's final decision.
No. Claim decisions are taken solely by the insurance company or TPA. We provide professional consultancy to present the strongest possible case for fair assessment — but we do not guarantee any specific outcome.
Yes. We assist in understanding denial reasons, identifying documentation gaps or policy misinterpretation, and preparing supporting documentation for reconsideration. Many cashless denials can be converted to reimbursement claims even after discharge.
Yes, services are available pan India through WhatsApp, email, and video consultation. Physical consultations available in Mumbai and Maharashtra.
WhatsApp or call ${PHONE}, email ${EMAIL} for claim matters, or ${EMAIL_C} for general queries. Available Monday to Saturday, 10:00 AM to 7:00 PM.