Your health insurance claim was rejected, delayed or short-paid. Medilock takes it up with the insurer on your behalf.
Individuals and families, not hospitals. If your cashless request was denied at discharge, your reimbursement claim was rejected, or the insurer paid far less than you expected, this is the service for you.
Enter your mobile number, your name, state, PIN code and email, tell us what went wrong, and upload your policy copy, the rejection letter if there is one, and your medical documents. Our desk reviews them and tells you whether the claim is contestable.
Fifteen percent of the amount actually settled and received by you, plus GST — payable only after the money reaches you. If your claim is finally rejected and you receive nothing, you pay us nothing. Any enrolment fee paid at registration is deducted in full from that invoice.
Your personal and health information is used only to process your claim and is handled in accordance with the Digital Personal Data Protection Act, 2023 and the Information Technology Act, 2000.
Usually yes. A denial at discharge is a pre-authorisation decision, not a final one — the claim can still be filed for reimbursement and, where the denial does not hold up against the policy wording, contested.
No. Our fee is a percentage of what is actually settled and received by you. No settlement, no fee.
Fifteen percent of the settled amount plus applicable GST, charged only after the money reaches you.