BHARAT CLAIMS

Simplifying insurance claim settlement for individuals and families across India.

Claims Technology Startup Bootstrapped

Overview

Bharat Claims is an AI-enabled insurtech company based in Gurugram, India, operating under the parent entity Green Lava Eco Solutions Private Limited. Founded in January 2021 by Hitessh Saini, the company addresses a critical gap in India's insurance ecosystem: the complexity, opacity, and low accessibility of the insurance claims process for ordinary policyholders.

The platform provides end-to-end claim advisory and settlement services through a mobile application and an in-person advisory network. A distinctive capability is the discovery of hidden or forgotten insurance policies -- helping users identify benefits they may not know they hold, including group and government-sponsored schemes. In 2021, the company facilitated claims totaling INR 8 crore for approximately 250 families through free government and group insurance schemes.

Bharat Claims has expanded its reach through a franchise model with outlets across India, allowing trained agents to deliver claims facilitation services at the local level. The company serves individuals, hospitals, garages, and insurance brokers.

Products & Services

Claims Advisory App

An AI-powered mobile application that guides users through the full insurance claim lifecycle -- from policy decoding and benefit identification to filing, tracking, and settlement.

Key Features

Hidden policy discovery (identifies unknown or forgotten insurance benefits)
Accident insurance claim assistance (end-to-end)
Life insurance claim support for families
Health insurance claim navigation
Real-time claim status tracking

Target Users: Individual policyholders, families

Insurance Score Check

A tool that evaluates a user's overall insurance coverage to identify gaps and ensure adequate protection.

Key Features

Coverage adequacy assessment
Gap identification across life, health, and accident insurance
Actionable recommendations

Target Users: Individual policyholders

Claim Financing

Financial support services tied to pending insurance claims, allowing claimants to access funds while their claim is being processed.

Target Users: Individual policyholders facing liquidity constraints during claim settlement

Bharat Claims Franchise Network

A distributed delivery model that enables local agents (franchisees) to offer Bharat Claims advisory services in their territory.

Key Features

Exclusive territory rights
Full training and operating system support
IT infrastructure provided by Bharat Claims
Marketing lead generation support
20% margin on all services

Target Users: Insurance brokers, agents, entrepreneurs seeking to enter the claims advisory space

At a Glance

Founded: 2021
Headquarters: Gurugram, Haryana, India
Employees: 11-50
Funding: Bootstrapped

Category & Focus

Category: Claims Technology
Subcategories: Claims Advisory Claims Settlement Policy Discovery
Insurance Verticals: Life & Annuity P&C Personal Health Group Benefits
Target Customers: Consumers, Agents/Agencies, Carriers

Customers

Individual policyholders across India, including low-income and underserved communities
Hospitals and healthcare providers navigating health insurance claims
Garages and auto repair shops managing motor insurance claims
Insurance brokers requiring claims facilitation support