Somewhere in India, right now, someone is staring at a letter from their health insurer. The claim they filed after a hospital stay has been rejected. The language is formal, vague, and final-sounding: "claim repudiated as per policy terms and conditions."
Most people don't fight back. Not because they don't have a case — often they do — but because they don't know the rules well enough to argue, they don't have a lawyer, and the insurer sounds a lot more confident than they feel. So they pay out of pocket, or they simply give up on money that was rightfully theirs.
This is especially common for people over 40 who've just lost employer-provided health coverage and are navigating individual policies for the first time, right when they're also old enough to actually need to file claims more often.
Insurance Mitra was built for exactly this moment.
Insurance Mitra is a free-to-start web tool that helps you understand whether your rejected insurance claim was actually rejected fairly — using India's own insurance regulations as the yardstick, not guesswork.
Here's the flow, in plain terms:
You describe what happened. You paste in what the insurer told you, along with basic details about your policy and the claim.
The tool checks it against known IRDAI rules. This isn't a generic chatbot guessing at insurance law. Insurance Mitra runs your situation through a rules engine built on specific, verifiable IRDAI regulations — the 5-year moratorium on non-disclosure claims for health policies, the 3-year contestability period for life insurance, the rule that a missing nominee doesn't void a death claim, the requirement that insurers give a specific reason for rejection rather than a vague one. These are real, checkable rules, not AI improvisation.
You get a score, not just a yes or no. Based on a few follow-up questions — how old is your policy, did the insurer name a specific record, is the cited condition actually related to your claim — Insurance Mitra scores your case and tells you honestly whether it's strong, worth fighting, or genuinely weak. It does not encourage you to fight every rejection; some exclusions are real and valid, and the tool says so.
If your case has merit, it drafts your grievance letter. Using AI, the tool writes a formal, properly worded letter to the insurer's Grievance Redressal Officer, citing the specific regulation your case relies on — ready to copy and send. This step costs ₹99, a small one-time fee that reflects the actual cost of generating it, not a markup.
It tells you what comes next. Indian insurance regulation gives you a real escalation path if the insurer doesn't respond: IRDAI's Bima Bharosa portal after 15 days, then the Insurance Ombudsman after 30 — a free, binding process that doesn't require a lawyer and can resolve disputes up to ₹50 lakh. Most people have never heard of either. Insurance Mitra tells you, every time.
Two more things live inside the same tool, because the same underlying problem — not knowing your rights — shows up before a claim is ever filed too:
A pre-purchase disclosure checklist. Before you buy a new policy, this walks you through the specific things insurers later use to deny claims — fatty liver found incidentally on an old scan, mildly elevated liver enzymes, post-COVID symptoms people don't think to mention. Disclosing these properly, in writing, at the time of purchase is the single best protection against a future rejection. The tool generates a written disclosure summary you hand to your insurer, with a timestamp, so "you didn't tell us" can never be used against you later.
An AI-powered "which policy should I buy" recommendation. Using your age, dependents, budget, and what you've disclosed, the tool gives you a personalized, insurer-neutral read on what type of cover and sum insured actually fits your situation — not a sales pitch for a specific company's product.
There's also a section explaining India's government health schemes — both the income-based Ayushman Bharat (PM-JAY), which gives ₹5 lakh of free coverage to qualifying low-income families, and the separate scheme that gives every citizen 70 and older an additional ₹5 lakh regardless of income. Most eligible people don't know either exists.
A tool that gives people confidence to challenge their insurer carries real responsibility. Two design choices reflect that:
The facts are fixed, not improvised. The AI never invents the legal rules — those are hard-coded, verified facts (moratorium periods, regulatory deadlines, specific sections of the Insurance Act) that the AI is required to work within. The AI's job is narrating and drafting in plain language, not deciding what the law says.
No login, no data you didn't choose to give. You don't create an account. There's no password, no profile, nothing to remember. The tool uses an anonymous session in your browser just long enough to walk you through your case.
If you've ever read an insurance rejection letter and felt like you were being talked down to in language designed to discourage you from pushing back — that's who this is for. You don't need to know what a "moratorium period" is. You don't need a lawyer. You just need someone to tell you, honestly, whether you have a case — and if you do, to help you write the letter that starts fixing it.
Insurance Mitra is available now. Health claim analysis, life/death claim help, the disclosure checklist, and the government schemes guide are all free to use.
Try Insurance Mitra →