DOCTOR + LEGAL BACKGROUND • 20+ YEARS EXPERIENCE

Claim Rejected? We Help You Fight Back.

Specialized consultancy for rejected, delayed, underpaid, and disputed health insurance claims — by a Doctor with LLB and 20+ years of TPA & insurance expertise.

20+ Years Experience
Doctor + LLB
Pan India Service
Why Policyholders Choose Us
20+
Years Experience
6+
Claim Types
PAN
India Coverage
24h
Response Time
Health Claims
Accident Claims
Critical Illness
Hospi Cash
Ombudsman Help
Medico-Legal
Our Services

What We Help You With

Expert consultancy across all types of health insurance claim disputes.

Health Claim Rejection

Pre-existing disease disputes, room rent deductions, cashless denials, underpayment and delayed settlements.

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Accidental Claim Assistance

FIR and MLC support, hospital record verification, GPA benefit analysis, PTD/PPD disability claim guidance.

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Critical Illness Claims

Cancer, cardiac, stroke, kidney failure — CI claim disputes reviewed medically and legally.

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Hospi Cash Claims

Verify eligibility, prepare documents and follow up on unpaid hospital daily cash benefits.

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Claim Investigation

Professional investigation and verification for insurers, TPAs, hospitals and legal professionals.

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Medico-Legal Services

Documentation compliance, consent formats, medical record audits and doctor subscription plans.

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20+
Years Industry Experience
6+
Claim Types Handled
PAN
India Coverage
24h
Response Time
BAMS LLB AIII CIAFP
Meet Our Founder

Dr. Bharatkumar B. Baraiya

Founder & Director, Saarthi Health Services

With over 20 years of experience across health insurance, TPA operations, hospital administration, employee benefits, and medico-legal services — Dr. Baraiya brings a rare combination of medical expertise, legal knowledge, and insurance insight to every case.

"Our mission is to simplify healthcare and insurance journeys through expertise, technology, and personalized support."
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Why Choose Us

The Saarthi Difference

Doctor + Legal Background

Led by Dr. Baraiya — a medical doctor with LLB who evaluates every dispute from both clinical and legal perspectives.

20+ Years TPA Experience

Deep expertise across health insurance, TPA operations, hospital administration and claim adjudication.

Pan India Support

Consult from anywhere in India via WhatsApp, email, or video call.

Personalized Review

Every claim reviewed individually — no templated responses.

Honest Guidance

No false promises. We prepare the strongest professional case for fair assessment.

B2B & B2C Services

We serve individuals, doctors, hospitals, corporates, TPAs and legal professionals.

Simple 4-Step Process

1
Share Documents

Send your policy, rejection letter, and bills via WhatsApp or email.

2
Expert Review

Our team reviews the claim medically and technically within 24 hours.

3
Strategy Session

We explain what went wrong and outline the best path forward.

4
Claim Assistance

We prepare letters, appeals and follow up until resolved.

What Clients Say

"Professional guidance and quick response helped us understand exactly why our claim was rejected. Highly recommended."

RM
R.M., Mumbai

"Very experienced team with strong medical and insurance knowledge. Dr. Baraiya personally reviewed our critical illness case step by step."

SK
S.K., Pune

"We engaged Saarthi for employee group claim disputes. Their TPA process knowledge is exceptional."

HR
Corporate HR Manager

Frequently Asked Questions

Yes, many rejections can be challenged through a representation letter, appeal, or complaint to the Insurance Ombudsman depending on the reason for rejection.

No. Claim decisions are taken solely by the insurer/TPA. We prepare the strongest professional case for fair assessment.

Yes, services are available pan India through WhatsApp, email, and video consultation.

WhatsApp or call +91 77159 93999. Email bharat@saarthihealth.co.in. Available Monday-Saturday, 10 AM-7 PM.

Need Immediate Help?

Share your rejection letter on WhatsApp — expert review within 24 hours.