Terms & Conditions
1. Introduction & Legal Entity
These Terms & Conditions ("Terms") govern the access and use of the website https://reclaimbill.com ("Platform"), owned and operated by ReclaimBill ("we", "us", or "our"), having its registered address at Shivrana chauk, Kuwe, Shirpur, Maharashtra- 425427, India. By accessing this platform or using our audit service, you agree to be bound by these Terms in full compliance with the Information Technology Act, 2000, and the Consumer Protection Act, 2019.
2. Nature of Platform & Scope of Services
ReclaimBill.com operates strictly as an algorithmic calculation and document formatting utility. The platform performs deterministic checks on user-provided hospital bills and Third-Party Administrator (TPA) cashless authorizations by cross-referencing line items against official statutory provisions:
- IRDAI Master Circular (May 29, 2024 - Clause 19): Prohibiting proportionate deductions on fixed MRP implants, medical hardware, stents, valves, medicines, and ICU bed tariffs.
- IRDAI Master Circular (Clause 6.1): Enforcing the mandatory 3-hour cashless discharge clearance SLA and barring holdover bed retention fees.
- IRDAI Annexure-1 Directives: Cross-referencing non-medical surgical consumables against allowable list items.
- Preferred Provider Network (PPN) Agreements: Barring unbundled hospital admission, registration, or medical records department (MRD) surcharges.
3. Non-Advocate & Non-Lawyer Representation Disclosure
In strict adherence to The Advocates Act, 1961 (Sections 29, 35, and 45) and Bar Council of India regulations:
- ReclaimBill.com is NOT a law firm, advocate practice, or legal counsel.
- The platform does NOT engage in the practice of law, provide bespoke legal opinions, or represent claimants in courtrooms or dispute tribunals.
- All dispute notices, gate-pass protest letters, and statutory calculation rebuttals generated by the software are standardized administrative calculation templates designed to assist consumers in exercising direct party-in-person self-advocacy under the Consumer Protection Act, 2019 and Rule 17 of the Insurance Ombudsman Rules, 2017.
4. Non-Intermediary & Non-Broker Disclosure
In accordance with the Insurance Regulatory and Development Authority of India Act, 1999 (IRDAI Act) and the Insurance Act, 1938:
- ReclaimBill.com is NOT an insurer, insurance surveyor, loss assessor, insurance broker, corporate agent, or web aggregator.
- We do NOT sell, solicit, or underwrite health insurance policies, nor do we settle or adjudicate insurance claims on behalf of any insurance company.
5. Fee Structure & Payments
Initial bill upload, OCR scanning, line-item classification, and statutory violation calculations are provided 100% free of charge. We do not charge for OCR or any analysis parameters. Users are only charged a one-time fee of ₹199 strictly to download the customized, printable 2-page QuestPDF statutory counter-notice PDF and WhatsApp escalation pack.
Payments are processed securely via RBI-authorized 256-bit SSL encrypted payment aggregators (including UPI, Net Banking, and Cards).
6. No Outcome Guarantee
While our mathematical rules are 100% deterministic and strictly aligned with published IRDAI directives and Insurance Ombudsman precedents, ReclaimBill.com does not warrant or guarantee that any hospital, insurer, or TPA will immediately honor the statutory demand or issue an instant cash refund. Final claim reconsideration and approval remain solely within the regulatory authority and jurisdiction of the respective insurer, hospital management, the Insurance Ombudsman, or the Consumer Dispute Redressal Commission.
7. User Obligations
By uploading hospital bills or documents, you certify that:
- You are the policyholder, claimant, or an authorized immediate family member or legal representative.
- The uploaded bill documents represent genuine medical treatment invoices.
- You will not use the platform for unlawful, fraudulent, or deceptive submissions.
8. Governing Law & Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the Republic of India. Any legal dispute, claim, or controversy arising out of or relating to these Terms or the use of ReclaimBill.com shall be subject to the exclusive jurisdiction of the competent courts in Shirpur / Dhule District, Maharashtra, India.
9. Contact & Grievances
For inquiries regarding these Terms & Conditions or platform operations:
- Legal Entity: ReclaimBill
- Registered Office: Shivrana chauk, Kuwe, Shirpur, Maharashtra- 425427, India
- Customer Support Email: support@reclaimbill.com
- Grievance Redressal Officer: grievance@reclaimbill.com
- Helpline Phone: +91-7981975105
- Operating Hours: Monday to Friday, 9:00 AM – 6:00 PM IST