NDTV
'₹16 lakh hospital bill for a 10-day stay — 70% overcharged'
✓ Outcome: Won ₹11L refund after audit.
No charges during launch • Live now
Your hospital bill is probably wrong.
Send a photo of your bill on WhatsApp. We check every line against official government rates and show you exactly which charges are too high — and what to do about them.
Most checks done within hours. No charges during launch.
No app neededNo signupDPDP compliantNo charges during launch
Three messages. Full audit.
No app. No forms. Just WhatsApp — the app you already use.
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Send your bill
Take a photo of your hospital bill and send it to BillOkay on WhatsApp. That's it.
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We audit every line
Our team compares every procedure, medicine, and consumable against CGHS, NPPA, PMJAY, GIPSA, and AIIMS benchmark rates. Flags overcharges, duplicates, and phantom items.
AI engine coming soon • Human-reviewed today
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Get your report
Receive a detailed audit with exact overcharge amounts, government rate references, a ready-to-use dispute letter, and step-by-step negotiation guidance.
What people have recovered.
Real, documented outcomes — from news reports, court orders, and consumer forums.
Karnataka Govt
'New June 2024 law: hospitals must provide itemised bills or face penalty'
→ Outcome: Regulation milestone.
Consumer Court
'Delhi hospital fined ₹5.6 lakh for charging 480× for a surgical item'
✓ Outcome: Court ordered refund.
TOI
'Private hospital charged ₹18 lakh for dengue treatment that cost ₹3.5 lakh at AIIMS'
→ Outcome: Systemic issue, NHRC intervention.
Holding a bill like these right now?
Check my billWhat you get back.
Send your documents on WhatsApp. Three things come back.
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Every wrong charge, in rupees
Line-by-line findings: inflated rates, duplicates, items that should never be billed — each with the official rate next to it.
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A dispute letter, ready to send
Written with your actual numbers and the regulations that back them. You hand it to the billing desk.
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Exactly what to do next
Talking points and the escalation path — billing desk, grievance officer, consumer forum — for your situation.
Checked against the government's own rate lists — CGHS, NPPA, PMJAY — the same benchmarks courts use. Your bill is encrypted, stays in India, and is deleted after the check. DPDP compliant.
Where are you right now?
Tap your situation. Documents build up stage by stage — what is new now, plus what you should already have. Send whatever you can find; more documents means a sharper check.
Best time to start — you can prevent most overcharges before they happen.
- Written cost estimate — ask the billing/admission desk before signing anything
- Insurance policy + schedule — from your insurer's app or policy email (room-rent limits matter before a room is picked)
- Pre-authorisation approval — from the TPA via the hospital's insurance desk, if cashless
- Scheme card — PMJAY/CGHS/ECHS/state card, with empanelment confirmed
- Doctor's admission note — what treatment was actually advised
Collect as you go — errors are easiest to fix while you're still there.
New at this stage:
- Interim bills — ask the billing desk every 2–3 days; it is your right
- Deposit receipts — a numbered receipt for every advance you pay
- Daily notes on your phone — which doctor visited and when, tests done, medicines given
- Pharmacy slips — plus photos of medicine strips (MRP matters)
- Implant/stent sticker — brand, batch, and MRP; it is your right to have it
Plus, from before admission (if you have them):
- Written estimate · insurance policy + pre-auth · scheme card · admission note
Send these before you settle — we prioritise discharge-wait checks.
New at this stage:
- Final itemised bill — every page; refuse the summary-only version, an itemised bill is your right
- Discharge summary — read it before signing anything
- Insurance approval + deduction sheet — if cashless, what the insurer approved vs what you are asked to pay
Plus everything gathered so far (whatever you have):
- Written estimate · deposit receipts · interim bills · pharmacy slips · daily notes · implant sticker · test reports
You can still recover — paying under pressure does not end your rights.
New at this stage:
- Payment proofs — bank/UPI statements, hospital receipts
- Insurance settlement letter + deduction sheet — every deduction needs a stated reason
- Advance reconciliation statement — how your deposits were adjusted
- Any correspondence — emails or messages with the hospital or insurer so far
Plus everything from the earlier stages (whatever you have):
- Final itemised bill · discharge summary · written estimate · deposit receipts · pharmacy slips · test reports · implant sticker
Missing some of these? Send what you have — we will tell you exactly what else to ask the hospital for. Full sourcing guide: what to collect at every stage.
Standing at the billing desk right now?
The questions running through your head — answered straight.
Whom do I even talk to?
Start with us, before you argue with anyone. Send the documents you have on WhatsApp — the checker below tells you which ones matter at your stage. When you do talk to the billing desk, you have exact numbers, not a feeling.
How fast will I hear back?
Most checks come back within hours — same day for most bills. If you're waiting at discharge, tell us; we prioritise those.
What will it cost me?
Nothing during our launch phase. No card, no signup. We'll announce pricing later — anything you send now is covered.
Can I trust you with my bill?
Your bill is encrypted, stays on Indian servers, and is deleted after the check. We never share it with hospitals or insurers. We compare against the government's own rate lists — the same benchmarks courts use.
What do I do with the report?
Hand the dispute letter to the billing desk — it cites the exact rates and rules. If they don't budge, the report works at every next step: grievance officer, insurer, consumer forum.
Do I have to pay the bill first?
Paying under discharge pressure does not end your rights — you can dispute and recover after paying. But if you can, send us the bill before you settle it.
Common questions.
01
How does BillOkay work?
Send a photo of your hospital bill to BillOkay on WhatsApp. Our team reads every line item, compares it against government benchmark rates (CGHS, NPPA, PMJAY), flags overcharges, and sends you a detailed audit report with negotiation steps.
02
What government rates do you compare against?
CGHS 2025 rates (4,000+ procedures), NPPA ceiling prices (900+ drugs), PMJAY package rates (1,578 procedures), GIPSA insurance rates, and AIIMS reference rates.
03
What does BillOkay cost?
During our launch phase, BillOkay is not charging anything. Our team personally reviews every bill via WhatsApp. Pricing details will be updated later as part of our phased launch.
04
Do you negotiate with the hospital for me?
No. BillOkay does not contact, negotiate with, or represent you before any hospital, insurer, or authority — letters and complaints go out in your name, sent by you. After the audit you get negotiation talking points, government rate references, and a ready-to-use dispute letter you can present to the hospital's billing department yourself.
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Do I need to install an app?
No. BillOkay works entirely through WhatsApp — the app 900 million Indians already use. No downloads, no signups, no passwords.
Find out what you're really owed.
Send a photo of your bill on WhatsApp now — or leave your number and we'll message you.
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If you have a bill ready now, just message us on WhatsApp directly.