VitalsPay Analyze my bill
AI-powered claim intelligence

Caught between your hospital and your insurer?

VitalsPay's AI reads your bill and your policy line by line — so you claim everything you're owed and know exactly what you'll pay. Upload both, or just pick your plan.

Analyze my bill See how it works

Session-only privacy · Results in minutes · Free to run

Works with policies from India's leading insurers

Star HealthHDFC ERGOICICI LombardNiva BupaCare HealthNew India AssuranceTata AIGAditya Birla HealthBajaj AllianzManipalCigna
7
policy rules applied to every claim
6+
insurers in the one-tap plan picker
20%
default overcharge threshold vs reference rates
100%
of line items scored with a reason
Powered by AI

AI that reads the mess. Logic you can audit.

Hospital bills and policies are inconsistent PDFs and scans. VitalsPay is an AI company: we use AI to read and structure them, then apply your policy with a transparent engine — so every rupee has a reason, and nothing is a black box.

AI document understanding

Our AI turns scanned bills and dense policy wordings into clean, structured line items and terms — even when every hospital and insurer formats things differently.

Human-in-the-loop

You review and correct everything the AI extracts before any analysis runs. The AI does the heavy lifting; you always keep the final say.

Explainable, not a black box

AI handles perception; a transparent rules engine does the money math. Every verdict cites the exact rule and shows billed vs reference — auditable end to end.

Private by default

Documents are processed only by the configured AI service to extract your data, kept for your session unless you save them, and never sold or used to train public models.

How it works

From a confusing bill to a clear settlement — in three steps

1. Upload

Drop in your hospital bill and insurance policy (PDF, JPG or PNG). We extract the line items and policy terms automatically.

2. Review

Check and correct the extracted details in simple editable tables. Extraction is never perfect — you stay in control.

3. Get your settlement

See a clear breakdown: claimable amount, charges above the covered rate, likely insurer under-payments, and your real out-of-pocket.

Start now — it's free
Features

Everything you need to challenge a bill with confidence

VitalsPay encodes the rules insurers and hospitals rely on — so nothing slips past you.

Line-by-line claimability

Every charge is scored: covered, partially covered, over sub-limit, or excluded — with a plain-English reason for each.

Overcharge detection

Billed rates are compared against reference rates (CGHS-style). Anything meaningfully above the benchmark is flagged with billed vs reference.

Room-rent & proportionate cuts

Catches the hidden proportionate deduction — where exceeding the room-rent cap quietly slashes every associated charge.

Sub-limits & exclusions

Applies category sub-limits (e.g. cataract, maternity) and policy exclusions the way an insurer legitimately would.

Co-pay & deductible math

Applies your deductible and co-payment to compute the expected insurer payout and your out-of-pocket — no spreadsheets.

Dispute-ready justifications

For items the policy covers but insurers often reject, get ready-to-quote text you can send straight to your insurer.

What we catch

The three ways your money quietly disappears

Above reference rates

Charges above reasonable benchmarks

Diagnostics, consumables and procedures are often billed above reference rates — and your insurer pays only the benchmark, leaving you the gap. VitalsPay shows the billed rate, the benchmark, and exactly how much of that gap you can push back on.

Hidden room-rent trap

Proportionate deduction on associated charges

Pick a room above your eligible cap and many policies proportionally reduce ALL linked charges — surgery, doctor fees, diagnostics. It is the single most common hidden deduction, and we surface it clearly.

Insurer under-payment

Covered items wrongly rejected

Diagnostics and pharmacy tied to a covered admission are often denied as “non-payable”. VitalsPay compiles these into a dispute list with justification text so you can contest the shortfall.

See it in action

A settlement you can actually read

No jargon, no guesswork — every number comes with the rule behind it and the evidence to back it.

  • Five headline figures: billed, claimable, overcharged, expected payout & your out-of-pocket
  • A colour-coded, line-by-line verdict — covered, partial, over sub-limit or excluded
  • A "dispute with insurer" list with ready-to-send justification text
  • An "above reference rate" table — billed vs benchmark
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Who it's for

Built for anyone facing a hospital bill

Patients & families

Understand a hospitalisation bill before you pay, and know how much your insurer should cover.

Senior citizens

Catch co-pay, sub-limits and room-rent deductions that hit older policyholders hardest.

Post-discharge disputes

Already settled short? Get a line-by-line breakdown and dispute-ready text to reopen the claim.

HR & employee benefits

Help employees make sense of group mediclaim claims without becoming insurance experts.

The problem

Why Indian mediclaim claims get reduced

Most shortfalls aren't fraud — they're clauses buried in the policy. VitalsPay checks every one for you and shows exactly where your money went.

Room-rent capping

A room above your eligible per-day limit means the excess is disallowed — and often drags down every linked charge via proportionate deduction.

Sub-limits

Cataract, maternity and similar procedures carry their own ceilings, so a large sum insured does not mean the full amount is payable.

Co-pay & deductible

A fixed share of every approved claim, plus an upfront deductible, quietly reduces what the insurer actually transfers.

"Non-payable" items

Consumables, admin and registration fees are legitimately excluded — but diagnostics and pharmacy tied to a covered stay are often wrongly lumped in.

Charges above reference rates

When line items are billed above reasonable-and-customary benchmarks, your insurer pays only the reference rate — leaving the difference for you to question and dispute.

Waiting periods

Specific conditions and procedures may only be covered after a waiting period — a frequent, avoidable reason for outright rejection.

Know your policy

The mediclaim terms that decide your payout

The jargon insurers use to reduce claims — in plain English. VitalsPay checks every one of these for you.

Room-rent cap

The maximum per-day room charge your policy will pay. Pick a costlier room and the excess is disallowed — and can trigger a proportionate deduction.

Proportionate deduction

When room rent exceeds the cap, many policies reduce ALL associated charges (surgery, doctor fees, diagnostics) in the same proportion. The single most common hidden cut.

Sub-limit

A per-procedure or per-category ceiling (e.g. cataract, maternity) that caps the claimable amount regardless of your total sum insured.

Co-payment

A fixed percentage of every approved claim you pay yourself. Common on senior-citizen and lower-premium plans.

Deductible

A flat amount deducted before the insurer starts paying. You bear this first; the policy covers the rest up to its limits.

Exclusion

Items a policy legitimately never pays — consumables, toiletries, admin/registration fees and similar. VitalsPay flags these so you know what to expect.

Why VitalsPay

You bring the documents. We bring the clarity.

  • A plain-English reason behind every allowed, reduced, or rejected rupee
  • See total billed, claimable, overcharged, expected payout & out-of-pocket at a glance
  • Editable reference rates so benchmarks match your city and hospital tier
  • Export a fully branded report to PDF to share with family or your insurer
See my breakdown
FAQ

Questions, answered

You upload your hospital bill and insurance policy. VitalsPay's AI reads and structures the line items and policy terms — even from scans and inconsistent layouts — then a transparent rules engine checks each item against exclusions, room-rent caps, sub-limits, reference rates, and co-pay/deductible rules to estimate what is claimable, overcharged, and worth disputing.

No. AI handles the hard problem of reading messy documents; the money math is a transparent, deterministic engine. Every verdict cites the exact rule applied and shows billed vs reference amounts — and you review and correct the AI's extraction before anything is analyzed.

No. Your documents are processed only by the configured AI service to extract your data, kept for your session unless you save them, and are not sold or used to train public models.

Not necessarily. If you don't have the PDF handy, pick your insurer and plan from the built-in list and we'll pre-fill typical terms for you to confirm. Uploading the actual policy is more accurate, but the picker gets you started in seconds.

The analysis is free to run. You upload or select your documents, review the extracted details, and get your settlement estimate — no account required.

No. VitalsPay is an informational estimate — not legal, medical, or financial advice. The final settlement depends on your actual policy wording and the insurer's assessment. Always review the extracted terms before relying on the result.

If your room rent exceeds the policy's eligible limit, many Indian mediclaim policies reduce all associated charges in the same proportion. This can quietly cut your claim by tens of thousands of rupees, so VitalsPay flags it explicitly and lets you dispute it when the higher room was medically necessary.

Documents are kept only for your session unless you choose to save them, and they are only sent to the configured extraction service. Nothing is shared with third parties.

PDF, JPG and PNG. Digital PDFs parse best; scanned images use OCR. Whatever the parser gets, you can correct it on the review screen before analysis.

It is built around hospitalisation bills and health-insurance (mediclaim) policies with room-rent caps, sub-limits, co-pay, deductible and exclusions. You can also edit reference rates to match your region.

About VitalsPay

AI-powered clarity for every hospital bill

VitalsPay is an AI-powered health-insurance claim analysis tool built for India's mediclaim reality. Upload a hospital bill and policy — or simply pick your insurer and plan — and our AI reads the documents, structures every line item, and applies your policy's room-rent caps, sub-limits, exclusions, co-payment and deductible against reasonable reference rates. The result is a transparent, line-by-line estimate of what's claimable, where the bill runs above what's covered, where the insurer is likely to under-reimburse, and your true out-of-pocket cost.

Unlike a black-box model, every verdict cites the exact rule applied and shows billed versus reference amounts — so you can review, correct and dispute with confidence. Whether you're a patient checking a bill before you pay, a family contesting a short settlement, or an HR team supporting employees on group mediclaim, VitalsPay turns a confusing invoice into a clear, defensible number in minutes.

Trust & Security

Your documents, handled with care

A hospital bill and policy are sensitive. Here's exactly how VitalsPay treats them — no fine print.

Encrypted in transit

Everything between your browser and VitalsPay travels over HTTPS/TLS.

Session-only by default

Your bill and policy are processed for your session and aren't kept in a persistent store unless you choose to save them.

You review before analysis

You see and correct every figure the AI extracts before any rule runs — nothing is decided behind your back.

Never sold or used to train

Your documents are used only to produce your result — never sold, never used to train public AI models.

Minimal data shared

When AI extraction is on, only the content needed to read your bill and policy is sent to the extraction provider — no more.

Read the specifics

Full details are in our Privacy Policy and Disclaimer.

Ready to see your real numbers?

It takes a couple of minutes. Add your bill and policy, correct anything we misread, and get a clear settlement estimate.

Analyze my bill now

Informational estimate only — not legal, medical, or financial advice.