TPAs · insurers · hospitals — India

Every claim
decision, cited & signed.

A deterministic engine applies the policy to the bill — no black box. Every field carries its citation. Every decision gets stamped into a tamper-evident record.

CLM-2026-IN-100247Apollo · Pune
₹ 1,11,700
of ₹ 1,48,800 billed
§3.2(a) Room cap−₹24,000
§4.1 Pharmacy−₹7,100
§2.4 Copay−₹5,000
signed & sealed
IRDAI-grade NABH-aware Cited & signed Deterministic English · हिंदी Cloud or on-prem IRDAI-grade NABH-aware Cited & signed Deterministic English · हिंदी Cloud or on-prem
The problem

Health claims are still stuck in spreadsheets.

4–6 hrs
per complex claim
manual lookup, line-by-line review, deduction math
8–14%
claims leakage
wrong rates, missed sub-limits, duplicate billing
73%
need a second look
reviewers disagree; audit trails stay patchy
The decision

Every deduction, turn it over.

No line is cut without a clause behind it. Flip a card to read the exact policy citation and why it applied.

↻ click any card
§3.2(a)−₹24,000
Room-rent cap
cited · signedflip ↻
§3.2(a) · clause
Single-room rent capped at ₹8,000/day.

Billed ₹14,000/day × 4 days. Excess disallowed; nursing prorated to the eligible tier.

flip back ↻
§4.1−₹7,100
Pharmacy proration
cited · signedflip ↻
§4.1 · clause
Consumables prorated to admissible room.

Three inpatient line items reduced to the covered category.

flip back ↻
₹0
Investigations · MRI
passedflip ↻
· clause
Within diagnostic sub-limit.

No deduction — the line passed clean.

flip back ↻
§2.4−₹5,000
Copay 2%
cited · signedflip ↻
§2.4 · clause
2% copay on net admissible.

Applied per the plan schedule after deductions.

flip back ↻
Billed ₹1,48,800Deductions ₹36,100=Approved ₹1,11,700
sha256:7a3f…dc2esigned
The platform

One engine. Every claim, defensible.

engine

Computed, not guessed

A deterministic knowledge-graph engine walks the policy against the bill, rule by rule. Same claim, same inputs, same number.

audit

Cited & stamped

Every field carries its citation. Every decision writes an HMAC-signed, hash-chained audit row. Tamper-evident by construction.

copilot

In your portal

A Chrome copilot reads the payer portal, drafts the pre-auth, and fills the fields — so desks stop retyping.

advisory

Policy reco engine

Compare health policies across insurers on the IRDAI wording corpus — from the real documents, not a brochure.

reach

Fits your stack

IHX, Medi Assist, Vidal, and TPA back-offices. HL7/FHIR aware. JSON in, cited decision out.

console

Reviewer console

Ask any claim why, pull up precedent, and search every past adjudication — claim-scoped chat over your own decisions.

Adjudo Copilot · Chrome

The copilot that lives in the portal.

It docks onto the payer/TPA portal you're already on — reads the claim, drafts the pre-auth from the patient's documents, and fills the fields. You review and submit. Every value cited, every action on the signed audit trail.

Get the Copilot ↗Chrome · Manifest V3
portal.ihx.in/preauth/APO-100247
Patient
Ramesh K.
Policy no.
ICD-10
Est. cost
aCopilot
ready · 4 fields
PolicyAPOL-77…
ICD-10H25.1
Cost₹1.84L
Fill portal
Every insurer, one board

Every portal and inbox — one dashboard.

Hover a source to trace it. Hit sync to stream the board in.

adjudo
normalize
all claims· 5 insurers
Star HealthCLM-100247 · via portalsAPPROVED
Niva BupaCLM-100251 · via emailQUERY
HDFC ErgoCLM-100258 · via tpaAPPROVED
Care HealthCLM-100263 · via hisDENIED
ICICI LombardCLM-100270 · via portalsAPPROVED
How it works

From inbox to settled — end to end.

1

Drop the docs

Policy, hospital bill, discharge, pre-auth letter. PDFs or photos — the flow your reviewers already run.

2

Adjudo adjudicates

The engine reads the policy and walks the bill line-by-line, applying every rule deterministically — each field cited.

3

Signed decision out

Approve / query / deny with reasoning, cited clauses, and a tamper-evident audit row your compliance team will love.

4

Copilot fills the portal

The Copilot types the decision straight into the insurer / TPA portal (IHX & co.) — you review and submit, no re-keying.

5

Query? Reply, cited

When the insurer raises a query, Adjudo drafts the response with the exact clause and document that answers it — ready to send.

The numbers

Eval-grade. Not vibes.

98.94%
decision accuracy
100%
cited & signed
3,234
real claims evaluated
reviewer throughput
The team

A small team, senior at the seams.

Engineers who've shipped regulated infra and adjudicators who've cut claims for a living — across Pune and Ahmedabad.

in · Follow on LinkedIn ↗
Proof, not promises

In production with payers and TPAs.

−71%
TAT on pre-auth

Mean turnaround dropped from 4.5 hrs to 1.3 hrs; same headcount handled 6× the cashless queue.

National TPA · Pune
−9.2%
leakage caught

Caught NPPA price breaches, unbundled procedures, and missed sub-limits on ~12% of claims.

Tier-1 Insurer · Hyderabad
100%
audit coverage

The IRDAI-grade HMAC-signed audit chain cleared internal compliance review on the first pass.

Hospital Network · Bengaluru

Put Adjudo behind your claims.

A small cohort of payers, TPAs, and hospital networks. Sandbox access and locked-in Year-1 pricing.