Terms of Use

1. About these terms

By using ClaimSahayak you agree to these terms. ClaimSahayak is run by Adv. Satyend Kumar Patkar, 1809 Silver Oak Compound, Napier Town, Jabalpur.

2. What ClaimSahayak does

• The Quick Check gives general information about common reasons for claim rejection. It is not legal advice and does not look at your documents.
• When you register a case and pay the fee, our team reviews your documents and, where suitable, prepares and pursues complaints with the insurer, IRDAI Bima Bharosa and the Insurance Ombudsman.
• We cannot guarantee any result. The outcome depends on your policy, the facts and the decision of the insurer or forum.

3. Fee

• The registration fee is ₹499, paid online through Razorpay.
• If, after reviewing your documents, our team decides not to take up your case, we refund ₹400 (we start the refund within 7 working days) and keep ₹99 as the fee for the review. Once we accept your case and start work, the fee is not refundable.
• If we take up your case, a success fee is payable only when money is received: 15% of the amount received at the insurer, Bima Bharosa or Ombudsman stage, or 18% if it is received after a consumer commission case, plus GST once we are registered for GST. The ₹499 is adjusted against it. The full terms are in the service agreement you accept on your case page before paying.

4. Your responsibilities

• Give true and complete information and genuine documents.
• Upload documents only for your own claim, or for a claim you are authorised to pursue (for example, as nominee, legal heir, parent or guardian).
• Keep your email account secure, because login codes are sent there.
• Tell us if you start a case on the same matter in a court, consumer commission or arbitration, or if the insurer settles directly with you.

5. Authority to act

By registering a case you authorise our team to contact the insurer and the relevant forums on your behalf about that claim, and to share your case details and documents with them for that purpose. Letters and complaints are made in your name (or the claimant's name) and we will ask you to sign or approve them.

6. Limits of our responsibility

We will handle your case with reasonable care. We are not responsible for decisions of insurers, IRDAI, the Ombudsman or courts, for deadlines missed because information reached us late, or for losses caused by events outside our control. Our total liability is limited to the fees you paid us for the case.

7. Acceptable use

Do not misuse the site: no false claims, no uploading of harmful files, and no attempts to access other people's data.

8. Ending the service

You may close your case at any time by writing to us. We may decline or stop a case if the information is false or the claim cannot properly be pursued, and will tell you why.

9. Law and disputes

These terms are governed by the laws of India. Subject to your rights under the Consumer Protection Act, 2019 (including your right to file a complaint where you live), the courts at Jabalpur have jurisdiction.

10. Contact

Adv. Satyend Kumar Patkar, 1809 Silver Oak Compound, Napier Town, Jabalpur. Email gopuassociate@gmail.com; mobile 9425335731; WhatsApp 9109256180.