Vertroue Healthcare

Insurance paperwork, handled. Doctors, free to treat.

We build two products that make health insurance work in India: CereBolt, which takes claims paperwork off hospitals and doctors, and Claim Sahara, which stands by patients when a claim is wrongly rejected.

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CEREBOLT · CLAIM SAHARA · CEREBOLT · CLAIM SAHARA ·
Vertroue logo, a V with a horse
0hoursto go live, with no IT team needed
0+ hospitals served
0sides of every claimthe hospital that files it and the family that waits on it
What we do

Two products. One purpose.

Cashless health insurance in India is slow, manual and stressful for everyone in the loop. We work on both ends of it: the hospital that files the claim, and the family that depends on it.

For hospitals and doctors

CereBolt

A platform for small and mid sized hospitals that brings order to the insurance loop, from admission to discharge.

  • One clear file for every cashless admission
  • Fewer surprises before a claim reaches the insurer
  • Less chasing for desks and doctors
  • A clear record of every decision
See how it works
For patients and families

Claim Sahara

Support when a health insurance claim is wrongly rejected, delayed, or held up behind a deposit.

  • Understand the reason the insurer gave
  • Know which documents to gather
  • Decide the next step with someone on your side
  • Reach us on WhatsApp, call or email
Get help with a claim
CereBolt

From admission to discharge, nobody chases a form.

Follow one patient through the hospital. Switch the view to see what changes at each step.

    Clarity

    Every admission, one clear file.

    Time

    Built to shorten the wait between admission and discharge.

    Safety

    Every decision on record, clinically and legally.

    Fit

    Designed around how Indian hospitals really work.

    Live in 48 hours. No IT setup. Your existing staff run it.

    For hospitals

    Request a hospital demo

    Tell us about your hospital and where claims slow you down. Four short questions, all required.

    Interactive

    Feel the delay. Ninety seconds.

    A patient arrives with chest pain. His heart gives out in ninety seconds. Run through a hospital's real insurance process before it does.

    Bed 04128BPM

    He has 90 seconds.

    Loading the hospital...

    1. Register him at the front desk
    2. Share the card and policy at the TPA desk
    3. Get the doctor to fill the medical section
    4. Send the paperwork, then wait for the insurer
    5. Pay the hospital's deposit, then reach the doctor

    Arrow keys or WASD to move. Hold Shift to run.

    The Claim Check

    Plain writing on health insurance in India.

    Our newsletter on Substack, for families and for hospitals. Read it, share it, or subscribe.

    Claim Sahara

    Was your claim wrongly rejected?

    A rejection letter is not always the last word. Tell us what is happening and we will show you the next step.

    Keep these ready

    • The rejection or query letter from the insurer
    • Your policy copy and policy number
    • The claim number and TPA name
    • Discharge summary and hospital bills
    • Doctor's notes and test reports
    Claim Sahara portal

    Upload your policy documents

    Share your policy, the insurer's letter and your hospital papers. They go to the Claim Sahara team, and we look at them before we speak with you.

    Your documents are used only to look at your claim. We do not share case details without your permission.

    Drop your documents hereor tap to choose. PDF, JPG or PNG, up to 10 MB each.

      Reasons insurers commonly give: missing documents, a pre existing condition, a waiting period, a policy exclusion, or a hospital not on the insurer's network. A reason given is not always a valid reason, and that is what we help you check.
      Questions

      Straight answers.

      Do we need an IT team to run CereBolt?

      No. CereBolt goes live in about 48 hours with no IT setup, and your existing hospital staff operate it.

      Does CereBolt replace our desk staff?

      No. It takes the repetitive checking and chasing off them, so your people spend their time on patients and families.

      What does it do for our doctors?

      Doctors stop being pulled into claim forms and insurer queries, and a medicolegal record keeps each decision and document defensible.

      How is patient data handled?

      Patient data is handled with privacy and Indian data protection requirements in mind. Ask us about your hospital's setup.

      Is Claim Sahara legal advice?

      No. We help you understand and challenge a rejection. We cannot promise an outcome.

      Which hospitals do you work with?

      Small and mid sized hospitals, mostly under 100 beds, starting in Maharashtra. Talk to us about your city.

      About Vertroue

      Healthcare should focus on healing.

      Our vision

      A healthcare system where no patient waits and no doctor chases.

      Our mission

      To take administrative complexity out of healthcare, so hospitals can focus on healing.

      Dr. Samata's story

      Dr. Samata Khamkar is a practising physician, and she still sees patients. She has spent ten years across clinical practice and health insurance, so she has seen a claim from the consulting room and from the insurance desk. She co founded Vertroue so that doctors can treat and families can understand.

      Swapnil's story

      Swapnil Kadam has twenty three years of building and scaling businesses. At Vertroue he leads architecture, operations and product. He and Dr. Samata ran insurance claims by hand across more than 175 hospitals, and that is where the shape of Vertroue came from.

      Our story

      Vertroue began inside hospitals, at the point where admissions meet insurers. Everything we build, for hospitals and for families, comes from watching where claims actually break.

      DPIIT recognised startupIncubated at CIBA, Navi MumbaiBased in Navi Mumbai
      Dr. Samata Khamkar

      Dr. Samata Khamkar

      Co founder

      Ten years across clinical practice and health insurance. Understands the pain from both sides of the claim.

      Swapnil Kadam

      Swapnil Kadam

      Co founder

      Twenty three years of building and scaling businesses. Leads architecture, operations and product.

      Vertroue logo

      Vertroue Healthcare

      Navi Mumbai

      Began inside hospitals, where claims actually break.

      Contact

      Let us talk.

      +91 93268 99180
      The Claim Check, our newsletter on Substack, for doctors and for families.
      Ninety seconds
      The Vertroue guideShort answers. A person is one tap away.