ClaimFriendy
Claim-backed medical finance

Redefining Mediclaim Finance That Works When It Matters Most.

We make healthcare more accessible by providing structured medical financing and end-to-end reimbursement claim support — so patients can receive treatment at their preferred hospital and focus on recovery, not financial stress.

Zero fees for patients
Pan India
AI-backed scoring
One platform
Three Rails, One Engine
Friendy Bridge Reimbursement finance for non-network hospitals
Friendy Flow Cashless receivable discounting
Friendy Assist End-to-end claims & policy support
AI scoring · Medical appraisal · On-ground follow-through
500+
Hospitals Onboarded
₹0
Patient Fees
₹100Cr+
Claims Disbursed
7000+
Lives Touched
See It In Action

Watch The Engine Work.

A live look at how ClaimFriendy processes your claim — and decodes your policy — in minutes, not days.

Bridge Rail · Live Simulation
₹1,00,000 Bill To Full Settlement

Watch a hospital bill get scored, financed, and tracked to settlement — the same engine that powers every Bridge case.

10 minAI Appraisal
Same DayDisbursed
30 DaysInsurer Settles
Bill
₹1,00,000
AI Score
—
Disburse
—
Settled
—
Hospital uploads bill — ₹1,00,000 + policy doc submitted to CF portal
AI reads policy — sub-limits, co-pay, room-rent checked in 10 minutes
CF disburses ₹96,400 — hospital paid same day, patient discharged
Insurer settles in 30 days — patient repays CF within 24 hrs of receipt
Waiting for bill…
Friendy Assist · AI Decoder
48-Page Policy Into One Clear Summary

Our AI reads every clause, condition, and sub-limit — then hands you exactly what you need to know before stepping into a hospital.

10 minFull Decode
1 PageOutput
₹0Cost
AI
Sum Insured—
Room Limit—
ICU Limit—
Co-pay—
Ready to decode…
Why ClaimFriendy

Healthcare claims, finally made simple.

No panel constraints

Get treated at the hospital you trust, even if it's not on your insurer's panel. Bridge covers non-network admissions so patients aren't forced to compromise.

Faster cash flow

Hospitals stop waiting 35–45 days for insurer payouts. Flow discounts approved cashless receivables and puts money in the hospital's hands quickly.

Zero paperwork stress

Assist handles policy decoding, document QC, query responses, and tracks your claim until settlement — so you focus on recovery, not paperwork.

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Three rails. One clear path.

Bridge, Flow, and Assist each solve a distinct problem — together they cover the full spectrum of healthcare finance and claims.

Friendy Bridge

Reimbursement finance for non-network hospitals

When a patient chooses a hospital outside the insurer's network, cashless may not be available. Friendy Bridge enables treatment to proceed by settling eligible hospital bills upfront for reimbursement cases. Repayment happens after the claim is settled.

0 Cost for Patients Full Policy Decoded End-to-end Tracking Minimum Upfront Payment
Ideal for
· Non-panel / non-network admissions · Patients who want their preferred hospital
Friendy Bridge
Reimbursement rail
1
Hospital submits detailsEstimate, policy, and key medical docs
2
Medical Appraisal + AI Risk ScoringOur medical underwriting engine decodes the policy, checks coverage, and provides an estimated approval amount
3
ClaimFriendy pays to HospitalClaimFriendy provides the patient with upfront financing to settle the bill with the hospital
4
Claim tracked to settlementPatient pays back after the settlement of claim
Friendy Assist

Claims & policy assistance

From interpreting policy clauses to preparing a complete claim file and responding to insurer queries — Assist reduces delays and confusion until settlement.

Policy decoding Document QC Query handling Settlement tracking
Ideal for patients & hospitals with complex claims
Friendy Assist
Claims operations rail
1
Share policy + documentsDischarge summary and bills
2
Coverage decodedLimits, co-pay, sub-limits — in plain language
3
Claim file prepared + QC'dComplete, submission-ready documentation
4
Queries handled to settlementWhatsApp / email updates throughout
Friendy Flow

Cashless receivable discounting

Once a cashless claim is approved, hospitals shouldn't wait 35–45 days for payment. Flow discounts approved receivables and credits the hospital immediately.

Faster working capital Reduced short-term borrowing No workflow change
Ideal for panel hospitals with high cashless volume
Friendy Flow
Cashless discounting rail
1
Cashless approval sharedHospital shares approval + bill snapshot
2
Receivable scored + discountedWithin agreed limits
3
Funds credited to hospitalSame day or next day
4
Insurer pays on due datePer existing SLA — no disruption
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How it works

One engine. Three flows.

All three rails share the same backbone — AI scoring, medical appraisal, and on-ground follow-through. Watch it in action.

Live simulation

From bill to settlement — in one engine.

Watch a ₹1,00,000 hospital bill get processed, financed, and fully settled end-to-end.

ClaimFriendy Engine · Initialising…
BRIDGE RAIL
Hospital Bill
₹1,00,000
Submitted
AI Engine
—
Waiting
CF Finances
—
Pending
Insurer
—
Pending
Patient
—
Pending
Hospital submits bill of ₹1,00,000 with patient policy details0 min
AI engine decodes policy, checks coverage & sub-limits10 mins
Medical appraisal complete — ₹96,400 approved for financing10 mins
ClaimFriendy disburses ₹96,400 directly to hospitalSame Day
Claim file submitted to insurer — patient discharged24–48 Hours
Insurer settles ₹96,400 to patient's account30 Days
Patient repays ClaimFriendy — cycle closed ✓24 Hours
~10 sec
AI Appraisal Time
₹96,400
Approved on ₹1L bill
₹0
Patient Fees
100%
Digital Process
Friendy Assist engine

Complex policy. One clear page.

Our engine reads through multi-page insurance policies and extracts exactly what matters — so patients know what they're covered for before treatment begins.

Policy Document — 48 pages
HEALTH INSURANCE POLICY SCHEDULE
GENERAL CONDITIONS & EXCLUSIONS
SPECIAL CONDITIONS — CLAUSE 47(b)
Waiting…
AI Engine
Policy Summary — 1 Page
ClaimFriendy Policy Snapshot
Sum Insured
—
Room Limit
—
ICU Limit
—
Capping
—
Co-payment
—
Policy fully decoded · Ready for claim
Who is it for

Built for hospitals and policyholders.

Hospitals

Turn claim bottlenecks into a growth lever.

  • Retain non-network patients with near-cashless experience via Bridge
  • Unlock faster cash flow on approved claims via Flow
  • Reduce claim chaos with document QC and tracking via Assist

Policyholders

Your claim — explained, supported, and funded.

  • Get treated at your preferred hospital even if it's not on the panel
  • Understand your coverage clearly before committing to treatment
  • Zero fees — costs are covered through partner hospitals
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Get in touch

Let's plan your ClaimFriendy rollout.

Share your details and we'll walk you through Bridge, Flow, and Assist — plus a pilot plan tailored to your workflow.

Send us a message

Direct contact

+91-70459 09090 [email protected]
Existing patients may reach out via the hospital helpline or WhatsApp shared at admission.

Our offices

Delhi
1215, Pearls Omaxe Tower 2, Netaji Subhash Place, New Delhi – 110034
Mumbai
1104, Skylon Tower, Sector-19A, Vashi, Navi Mumbai – 400703
Lucknow
3rd Floor, 112, Emperor Square, JB Sky Hilton, LDA Colony – 226012
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