Free · No login · India only

Is your hospital bill
overcharging you?

Upload your itemised hospital bill. We check every line against CGHS rates, NPPA ceiling prices, and IRDAI non-payable items — and tell you in plain English where it does not add up.

Audit a bill How it works

Average audit cost: ~₹1. Average overcharge found: ~₹4,000.

Likely overcharge

Amoxicillin 500mg Capsule

MEDICINE

Sample finding

Bill charged

₹15.50

per capsule

NPPA ceiling

₹7.49

per capsule

Amoxicillin 500mg was charged at ₹15.50 per unit; the NPPA ceiling under DPCO 2013 is ₹7.49 per capsule.

Source: DPCO 2013 / NPPA S.O. 1489(E) dated 27.03.2025

Built against publicly published government data

CGHS rate scheduleNPPA ceiling pricesIRDAI Master CircularDPCO 2013

From upload to flags in under a minute

No ML magic where the data is. Deterministic rules where the rules matter. AI only for reading the bill and explaining the result.

  1. 1

    Upload your bill

    Drag-drop a PDF or photograph of the itemised bill. No login needed.

  2. 2

    We check the government data

    Each line is matched against CGHS rates, NPPA ceiling prices, and the IRDAI non-payable list.

  3. 3

    You get plain-English flags

    Issues are explained with the legal source. We never use vague terms like ‘fraud’.

Why we built Jaanch this way

Healthcare disputes need fairness, not heat. The engine is wired so the AI cannot invent a citation, and every flag survives independent verification.

Cites only government data

The narrative never invents a citation. Every flag points back to a verbatim notification (DPCO, IRDAI Master Circular, CGHS schedule).

Plain English

Two-sentence narratives. The first tells you what was found, the second tells you what you can do about it.

Privacy first

No login. Patient names are scrubbed from extracted data; uploaded originals are deleted after 30 days.

Deterministic rules

Thirteen rules cover NPPA ceiling breaches, IRDAI items, room-day mismatches, duplicate lines, and totals arithmetic.

Common questions

Is this legal advice?+
No. Jaanch is a data comparison tool. It surfaces discrepancies between your bill and publicly available government rates or insurance guidelines. We recommend consulting a legal professional or patient ombudsman for formal disputes.
Will the hospital accept these flags?+
Hospitals are legally bound by NPPA ceiling prices and recognise CGHS rates as a benchmark in many contexts. Presenting clear citations from government orders significantly increases your chances of a successful rectification.
What happens to my bill after I upload it?+
Your bill is processed in a secure sandbox. We redact personally identifiable information before auditing. The original file is stored for 30 days so you can download the report, after which it is permanently purged.
When does the free tier end?+
The current “Common Citizen” tier is free, with 10 audits per visitor per day. We charge corporate users and TPAs for batch processing.

Learn the rules behind the rates

Free explainers on NPPA ceiling prices, CGHS rate schedules, and the IRDAI non-payable list. Written for patients, not lawyers.

Service

What we check on every bill

The thirteen deterministic rules, the legal source behind each, and what they look like on your bill.

Method

How an audit actually runs

Five-stage pipeline. AI only reads and explains; rates and citations come from government data, never from a model.

Learn

NABH accreditation explained: what those four letters on your hospital bill actually mean

NABH is a voluntary hospital quality certification. It affects your CGHS rates, your insurance reimbursements, and sometimes the room rent you pay. Here's what the certification actually covers, what it doesn't, and how to check your hospital.

Try it with one of your bills

Anonymous. Free. The whole audit completes in under a minute.

Start Audit Now