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Case study · AI · Insurtech

RedoClaim

Free AI-powered insurance claim research and analysis for Indian policyholders.

01 — The problem

Claim rejections are common,
and hard to challenge.

Insurance claim rejections in India are frequent, and most policyholders have no practical way to check whether a denial is actually valid. Policy wordings run for dozens of pages, rejection letters cite clauses without context, and the IRDAI circulars that govern insurer conduct are scattered across regulatory filings that most people never read.

The result is an information gap: insurers know the regulations in detail, and policyholders largely do not. Challenging a rejection usually means hiring a lawyer or an insurance advisor, which is a cost most people cannot justify for a single claim.

RedoClaim was built to close that gap for free, by giving policyholders a way to check their own claim against the same regulatory ground insurers are held to.

02 — How it works

Upload documents.
Get a grounded analysis.

A policyholder uploads the documents they already have — the policy copy, the Customer Information Sheet, and/or the rejection letter. RedoClaim extracts the relevant text from these documents and runs it through a Retrieval-Augmented Generation (RAG) pipeline that is grounded in current IRDAI circulars and the policy's own terms, rather than relying on an AI model's unverified general knowledge.

The output is a plain-language breakdown of what the policy actually covers, whether the stated reason for rejection lines up with the regulations and the policy wording, and — where relevant — a drafted appeal referencing the specific clauses in question.

03 — Six tools

One pipeline,
six purpose-built tools.

01
Policy Analyzer
Parses an uploaded policy document and surfaces coverage terms, exclusions, waiting periods, and sub-limits in plain language.
02
CIS Scanner
Reads the Customer Information Sheet (CIS) and flags mismatches between what was disclosed at sale and what the policy wording actually says.
03
Rejection Auditor
Takes a claim rejection letter and checks the stated reason for denial against current IRDAI circulars and the policy's own terms to identify possible inconsistencies.
04
Appeal Drafter
Generates a structured first-level appeal letter referencing the specific clauses and regulatory provisions relevant to the rejection.
05
Timeline Tracker
Tracks the regulatory timelines insurers are bound to (acknowledgement, decision, and payment windows) so a policyholder can see if a deadline has been missed.
06
Portability Advisor
Explains portability and continuity rights when a policyholder is considering switching insurers, based on IRDAI portability guidelines.
04 — Screenshots

Product walkthrough.

RedoClaim — Landing page
Landing page
RedoClaim — What RedoClaim does
What RedoClaim does
RedoClaim — AI Engine
AI Engine
RedoClaim — Policy Analyzer
Policy Analyzer
RedoClaim — Rejection Auditor
Rejection Auditor
RedoClaim — Timeline Tracker
Timeline Tracker
RedoClaim — Portability Advisor
Portability Advisor
RedoClaim — Multilingual functionality
Multilingual functionality
RedoClaim — Privacy & security interface
Privacy & security interface
05 — Technology

Built for accuracy,
not just output.

RedoClaim is built around a Retrieval-Augmented Generation architecture so that every answer is grounded in an actual regulatory or policy source document, rather than a model's memorized training data. Documents are parsed, chunked, embedded, and retrieved against a knowledge base of IRDAI circulars before the language model drafts a response.

Next.jsTypeScriptPythonRAG PipelineNLPVector SearchLLM APIsPDF/OCR Extraction
06 — Regulatory grounding

Checked against the rules
insurers are held to.

IRDAI circulars — the analyzer cross-references claim rejection reasons against current circulars from the Insurance Regulatory and Development Authority of India.
Policyholder protection regulations — claim settlement and grievance redressal timelines are checked against the regulatory windows insurers must operate within.
Policy wording — every finding is cross-checked against the specific policy document the user uploaded, not a generic template.
07 — Current limitations

What RedoClaim
doesn't do.

Not legal advice — RedoClaim provides research and analysis, not a substitute for a licensed insurance advisor or lawyer in a dispute.
Coverage of insurers and products — analysis quality depends on how complete and legible the uploaded documents are, and on how current the underlying regulatory knowledge base is at any given time.
No guaranteed outcome —an appeal drafted by RedoClaim improves the quality of a policyholder's case, but does not guarantee the insurer will reverse a rejection.
08 — Social impact

Access to protection
shouldn't cost extra.

RedoClaim is free to use, built specifically for the Indian insurance ecosystem, and aimed at policyholders who would otherwise have no affordable way to check whether a claim rejection holds up against the regulations that are supposed to protect them. By translating dense policy and regulatory language into a plain, checkable analysis, the goal is to reduce the information gap between insurers and the people they insure.

Try it, or read the code.