Pending. Rejected. Delayed. Short-paid. Medilock helps hospitals and individuals fight for their rightful claim payment, with recovery and legal support.
Medilock is the recovery desk for Indian hospitals and for individuals. We chase the money insurers owe you, arrange funding against claims that have already been approved, and keep the paperwork in one place. Upload one claim and our desk tells you within two hours whether it is recoverable. You pay nothing until we confirm it is.
Approved but not credited, repudiated on non-disclosure, short-paid after a tariff deduction, or closed without intimation — each of these is contestable, and each needs a different document to reverse it. Our recovery desk files the representation, follows the insurer and the TPA through every escalation, and takes the matter to legal where that is what it takes.
An approved claim is a receivable. Medilock verifies the hospital, assembles the lender file and places it with our panel of lenders who fund healthcare receivables, so an approved-but-unpaid claim becomes working capital.
Medilock publishes the current pre-authorisation form, the provider portal link and the pre-auth email ID for every major insurance company and TPA in India. It is free and it stays current.
If your own health insurance claim was rejected, delayed or short-paid, Medilock takes it up with the insurer on your behalf. Our fee applies only after your claim is settled and the money reaches you. If the claim fails, you pay nothing.
Nothing until a claim is actually settled. A commercial percentage plus GST becomes payable on the amount the insurer releases, and any enrolment fee paid up front is deducted in full from that invoice. A claim that fails costs you nothing.
Upload a claim and our desk comes back within two hours on whether it is recoverable and what it is likely to be worth.
All of them. Medilock maintains a directory of every major insurance company and third party administrator operating in India, with the pre-authorisation form, provider portal and pre-auth email ID for each.