# BHARAT CLAIMS > Simplifying insurance claim settlement for individuals and families across India\. ## At a glance | Field | Value | | --- | --- | | Category | Claims Technology | | Type | Solutions Provider | | Region | APAC | | Headquarters | Gurugram, Haryana, India | | Founded | 2021 | | Stage | Startup | | Employees | 11-50 | | Funding | 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 ## Category & focus - Subcategories: Claims Advisory, Claims Settlement, Policy Discovery - Insurance verticals: Life & Annuity, P&C Personal, Health, Group Benefits - Target customers: Consumers, Agents/Agencies, Carriers ## Notable 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 ## Links - Website: - Directory profile: - Linkedin: - Twitter/x: - Franchise info: --- *Last updated: 2026\-05\-11*