Refund & Cancellation Policy
1. Service Overview & Fee Structure
ReclaimBill.com provides an automated, deterministic IRDAI medical bill auditing utility. The initial document upload, OCR scanning, clinical line-item classification, and legal violation calculations are provided 100% free of charge for all users. We do NOT charge for OCR processing, image reading, or any auditing parameters.
Users are only charged a one-time fee of ₹199 strictly to download the customized, printable 2-page QuestPDF statutory dispute notice PDF, formal ombudsman demand note, and WhatsApp escalation kit.
2. Conditions Eligible for 100% Full Refund
A 100% full refund of the ₹199 download fee will be issued unconditionally under any of the following circumstances:
1. PDF Generation or Download Failure
If technical server issues or network glitches prevent you from generating, viewing, or downloading your QuestPDF statutory counter-notice PDF pack within 60 minutes of payment confirmation.
2. Zero Violations / Clean Bill
Our platform does not charge for compliant bills. If a payment was collected when our deterministic engine identified ₹0 recoverable amount or zero IRDAI violations, the ₹199 fee is 100% refundable immediately.
3. Duplicate Transaction
If your bank account or card was charged more than once for the same PDF download due to network latency, session timeout, or gateway glitches, all duplicate charges are refunded automatically.
4. File Corruption
If the downloaded PDF file is corrupted or unreadable and our technical desk is unable to provide a functional replacement within 24 hours.
3. Non-Refundable Circumstances
Given that ReclaimBill.com provides instant digital goods (automated PDF statutory notices compiled dynamically upon payment), refunds cannot be issued in the following cases:
- The statutory dispute notice PDF was successfully generated, unlocked, and downloaded by the user.
- The insurer, TPA, or hospital denies or delays the claim settlement after receiving the notice (as explicitly stated in our Terms, final adjudication remains within the statutory discretion of the insurer or Insurance Ombudsman).
- The user entered incorrect medical figures or uploaded a non-medical bill (e.g. electricity bills or salary slips) after bypassing scanner prompts.
4. Refund Request Process & Timelines
Claiming a refund is simple and hassle-free:
- How to Apply: Send an email to support@reclaimbill.com with the subject line "Refund Request - [Your Order ID / Payment Reference]".
- Required Details: Provide the payment reference ID, UPI UTR / Transaction ID, and a brief description of the technical issue faced.
- Verification Turnaround: Our billing team will review and verify the request within 24 to 48 business hours.
- Credit Timeline: Once approved, the refund is initiated through our payment gateway (Razorpay) and will reflect in your original payment method (Bank Account, UPI, or Credit/Debit Card) within 5 to 7 banking business days, strictly following standard RBI and banking settlement cycles.
5. Cancellation Policy
Because the statutory notice generation is an instantaneous digital software service delivered in real time upon payment, standard post-delivery order cancellation is not applicable once the official PDF has been downloaded. If you wish to cancel an in-flight transaction before the PDF is generated, you may do so by closing the checkout window prior to payment authorization.
6. Contact for Refund Inquiries
For any questions or status updates regarding refunds:
- Legal Entity: ReclaimBill
- Registered Office: Shivrana chauk, Kuwe, Shirpur, Maharashtra- 425427, India
- Support Email: support@reclaimbill.com
- Helpline Phone: +91-7981975105
- Operating Hours: Monday to Friday, 9:00 AM – 6:00 PM IST