The law
Health records are personal data under the DPDP Act 2023. The DPDP Act sets duties and penalties for how organisations handle personal data.
Healthcare · Sovereign Artificial Intelligence (AI) for claims
AI for healthcare claims: checked against policy, cited to the page
BiltIQ AI for healthcare is Agent OS applied to claims and bills. Agents check a claim against the policy and the hospital bill, cite the page behind each finding, and leave the decision to a named reviewer. BiltIQ won the NHA PM-JAY AI Challenge 2026, a hackathon, with this claim and bill verification work.
We'll walk you through it on sample data.
- NHA PM-JAY AI Challenge 2026 (hackathon): claim and bill verification
- Won
- Outbound calls, blocked by default (platform gate)
- Off
- Paid pilot, 4–6 weeks on your past claims
- ₹5–8 L
- Site licence, one-time, ex-GST
- ₹50–90 L
The rule that binds
The rule that binds: health data under the DPDP Act
The cost of doing nothing
Health-claim payouts are lost to fraud, waste and abuse, and checking claims by hand misses much of it.
What it means
Every cloud model you send claims to is another party you must account for. Your AI on your own servers removes that party from the model path.
What Agent OS does
AI claims verification: what your AI agents check
Claim against policy.
Your AI agents test each claim against the policy terms you set.
Bill against claim.
Amounts, dates and line items are checked against the bill.
Cited findings.
Each finding shows the page and the text it rests on.
A person decides.
A named reviewer accepts or rejects each finding in the approval inbox. The agents do not diagnose, and they do not advise on treatment.
Proof
Where this AI work has been tested
NHA PM-JAY AI Challenge 2026
Won (hackathon): claim and bill verification, IISc Bangalore finale, 8 May 2026
A hackathon result is not a deployment. We'll walk you through claim checks on sample data.
Controls
Where your claims AI runs
| Own it | Subscribe | |
|---|---|---|
| Agents and models | Your GPU server | BiltIQ's own servers in India |
| Outbound calls | Blocked by default (platform gate) | — |
| Approvals | Irreversible and high-consequence actions pause for a person | Same |
| Status | On sale now, starting with a paid pilot | Subscription: not yet on sale |
Pricing
What claims AI costs
Own your AI (all ex-GST)
- Site licenceone-time₹50–90 L
- Managed service₹16–18 L/yr
- Hardwareat cost
Paid pilot
₹5–8 L4–6 weeks on your past claimscredited against the licence
FAQ
Frequently asked questions
Can AI verify health insurance claims against the policy?
Yes. In BiltIQ Agent OS, your AI agents check each claim against the policy terms and the hospital bill, then cite the page behind every finding. A named reviewer accepts or rejects each one in the approval inbox, so the decision stays with your team. BiltIQ proves this on your past claims in a 4–6 week paid pilot.
What did BiltIQ win at the PM-JAY AI Challenge 2026?
BiltIQ won the NHA PM-JAY AI Challenge 2026, a hackathon, with claim and bill verification built on Agent OS. The finale was held at IISc Bangalore on 8 May 2026. It is a hackathon result, not a deployment or a contract, and BiltIQ quotes no accuracy figure from it. A paid pilot measures results on your own claims.
Does health data leave our premises with BiltIQ?
Not on an Own-it install of Agent OS. Your AI agents and models run on your own GPU server, and outbound calls are blocked by default by the platform gate. In a paid pilot, the claims stay on site on your server or a BiltIQ loaner. Consent, notices and breach reporting under the DPDP Act stay your duty.
Which AI models does BiltIQ use for healthcare work?
BiltIQ is model-agnostic: open-weight models chosen per buyer. NVIDIA Nemotron by default for defence and PSU; Qwen3.8-27B for reasoning where allowed. There is no medical-specific model in the fleet today. Accuracy comes from grounding each finding in the policy and the bill, with the page cited. Fine-tuned domain models are a roadmap item.
AI agents with human approvaldocument AI with page citationspaid pilot termsDPDP Act guide for AIPM-JAY AI Challenge 2026 casewhat your DPO will ask about your AI vendor
Test claims AI on your own past claims
We'll walk you through it on sample data.