Disclaimer

Last updated: 10 July 2025

Informational estimate only. VitalsPay is not legal, medical, or financial advice, and is not a guarantee of what your insurer will pay. Final settlement depends on the actual policy wording and the insurer's assessment. Always verify the extracted terms before trusting the result. Uploaded documents are kept only for your session unless you save them.

1. Not professional advice

VitalsPay (operated by Vitals Pay Private Limited) does not provide legal, medical, financial, or insurance advice. Nothing on this site or in any report it generates is a substitute for advice from a licensed professional or for your insurer's official assessment. Do not make medical, financial, or coverage decisions solely on the basis of VitalsPay output.

2. Estimates, not guarantees

All coverage statuses, claimable figures, overcharge amounts, cost ranges, and expected payouts are informational estimates produced by automated rules and reference data. They are not binding, not a pre-authorization, and not a promise of payment. The actual settlement is determined solely by the insurer based on the final hospital bill and the exact wording of your policy.

3. Accuracy of extracted data

Hospital bills and insurance policies are parsed automatically and may contain extraction errors or omissions. You must review and correct the extracted line items and policy terms before relying on any result. Vitals Pay Private Limited is not responsible for outcomes or decisions made on the basis of unverified or uncorrected data.

4. No insurer or hospital affiliation

VitalsPay is an independent tool. It is not affiliated with, endorsed by, sponsored by, or acting on behalf of any insurer, hospital, third-party administrator, or healthcare provider. Insurer and plan names are used for identification only.

5. Reference rates

Overcharge detection and cost comparisons use indicative reference rates (e.g. CGHS-style benchmarks) that may not reflect a specific hospital's actual pricing, your city, or your region. Reference rates are editable and are provided for guidance only.

6. Limitation of liability

To the maximum extent permitted by applicable law, Vitals Pay Private Limited and its affiliates, officers, employees, and partners shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising out of or in connection with your use of, or reliance on, VitalsPay or any estimate, report, or information it provides — including but not limited to underpaid or rejected claims, out-of-pocket costs, or lost savings. VitalsPay is provided "as is" and "as available" without warranties of any kind, whether express or implied.

7. Contact

Questions about this Disclaimer? Contact Vitals Pay Private Limited at contactus@vitalspay.ai.