How does ClaimBack work?

ClaimBack uses AI together with published insurer clinical-policy guidelines and the statutes that govern your plan to build your appeal. You tell us your country, insurer, treatment, and denial reason — then our system cross-references the applicable insurance regulations and medical-necessity guidelines to generate a professional appeal letter in about 3 minutes. The letter cites the specific laws and regulatory protections that apply to your situation, such as ACA parity rules, FCA consumer duty, or MAS Notice 120.

ClaimBack offers a completely free claim analysis that identifies your appeal grounds, your country-specific rights, and an estimated success likelihood — no credit card required. If you want the full, ready-to-send appeal letter, it costs a one-time fee of USD 12. The Full Fight bundle at USD 59 includes up to 3 escalating counter-letters, a complete fight plan with deadlines, and ombudsman complaint templates.

What countries does ClaimBack support?

ClaimBack supports over 50 countries including Singapore, United Kingdom, UAE, Australia, United States, Malaysia, Hong Kong, Canada, Ireland, New Zealand, Saudi Arabia, Qatar, Germany, Switzerland, Japan, South Korea, India, South Africa, Brazil, and many more. Each appeal letter is tailored to the specific insurance regulations, regulatory bodies, and ombudsman services in your market — so you get a locally relevant letter, not a generic template.

How long does it take to generate an appeal letter?

The entire process takes about 3 minutes from start to finish. You fill in a short form about your denial, ClaimBack analyses your case against your insurer's clinical-policy guidelines and your country's regulations, and you receive a professional appeal letter ready to send to your insurer. No appointment, no waiting room, no weeks of back-and-forth.

What is the success rate of insurance appeals?

Research from the Kaiser Family Foundation (KFF) and HealthAffairs shows that ~60% of properly-filed insurance appeals are overturned in the policyholder's favour. Despite this, fewer than 0.2% of people whose claims are denied actually file an appeal. ClaimBack levels the playing field by making it easy to file a professional, regulation-citing appeal — giving you the best possible chance of success.

Do I need a lawyer to appeal my insurance denial?

In most cases, no. The majority of successful insurance appeals are won with a well-structured letter that cites the correct regulations and medical guidelines — which is exactly what ClaimBack generates. Lawyers typically charge $300–$500 per hour for appeals, whereas ClaimBack costs just $12 for a letter that references the same laws and protections. For extremely complex or high-value claims (e.g. over $50,000), we recommend having a legal professional review your ClaimBack letter before sending it.

What types of denials can ClaimBack help with?

ClaimBack can help with virtually any type of insurance claim denial, including denials for medical necessity, pre-existing condition exclusions, out-of-network treatment, prior authorisation requirements, experimental or investigational treatment, coding and billing errors, benefit exclusions, and timely filing disputes. Our AI applies the regulations and insurer policies that apply across all of these categories and more.

Is my information secure?

Yes. Your claim details are used solely to generate your appeal letter and are not stored on our servers after the letter is produced. We do not sell your data to third parties, and email addresses are used only to deliver your case ID and appeal guidance — no spam, ever. All data transmission is encrypted. ClaimBack anonymises all case data used for improving our system, so no personal information is ever retained or exposed.

⚠️ Appeal Window Closing — Most insurers allow only 30–180 days to fight back.

They called it

We call it beatable.

Less than 1% of people ever appeal a denied claim.
~60% of those who do, win.

ClaimBack generates a professional appeal letter — citing your country's exact regulations, clinical guidelines, and insurer-specific policy language — in 3 minutes.

👤

I'm a patient

Your insurer is counting on you giving up. Don't. ~60% of appeals win — get a regulation-backed letter in 2 minutes, free, no login, no lawyer needed.

Generate My Free Appeal Letter Now →

🏥

I run a practice

My team wastes hours on denials. I want to recover revenue.

Provider Plans — From $49/mo →

No login · No credit card · Free to generate · ~60% of appeals win · Average recovery: $4,000+ · Used in 100+ countries · Ready in 2 minutes

Cites ACA §2719, ERISA & your local statutes — 50+ countries

100+

Countries

~60%

Appeals succeed

<1%

Ever appeal

3 min

Per letter

Denied. Fought back. Won.

These are real outcomes. This could be you.

"My insurer called a life-saving surgery 'elective'. ClaimBack's letter cited MAS Notice 120 and the Integrated Shield Plan guidelines. They reversed it in 12 days."

Rachel T. · SingaporeSGD 18,400

"We spent 90 minutes fighting one dental crown denial. ClaimBack did it in 2 minutes — citing the exact Delta Dental processing policy our team didn't even know existed."

Dr. Katherine S. · Colorado$4,200

"Cigna denied my son's mental health treatment. The appeal letter cited MHPAEA parity violations — something I'd never heard of. Approved in 9 days. I cried."

Maria S. · Texas$8,400

3 minutes. That's all it takes.

Tell us what happened

Country, insurer, treatment, denial reason. No login. No forms to mail. 60 seconds.

ClaimBack writes your appeal letter

Citing the exact regulation your insurer violated, the clinical guidelines they ignored, and the policy language that proves you're covered.

Send it. Win.

Download your letter. Submit it. Providers: track outcomes, build win-rate data, and batch-process 30+ denials at once.

WORKS WITH 200+ INSURERS ACROSS 100+ COUNTRIES

AetnaBCBSCignaUHCDelta DentalMetLifeBupaAIAMedibankGreat EasternAllianz

🔬 The data behind your appeal

The system is built to exhaust you

Insurers deny roughly 1 in 6 in-network claims — yet most denials are administrative, not medical. ClaimBack writes the letter that cites the exact rule your insurer broke.

Why claims actually get denied

US in-network denials by reason · KFF analysis of CMS data

Administrative & other reasons77%

Service excluded from plan14%

No prior authorisation or referral9%

Not medically necessary2%

🚫

~17%

of in-network claims denied

📭

<1%

of denials are ever appealed