# BillOkay

> Hospital bill audit service for Indian consumers. Patients send hospital bill photos via WhatsApp and receive a line-by-line audit — billing errors, legal-ceiling violations, and government-rate comparisons — plus a ready-to-use dispute letter.

Last updated: 2026-08-07

## What BillOkay Does

BillOkay audits hospital bills line-by-line to help patients understand and verify what they were charged. Findings are ranked by evidence strength: objective billing errors first (duplicate line items, arithmetic errors, charges for days not admitted), then violations of binding rules (medicines above MRP, devices above NPPA ceiling prices, IRDAI non-payables billed separately, package items billed again), and only then comparisons against government reference rates (CGHS, PMJAY, AIIMS, GIPSA). Patients receive a detailed audit report and ready-to-use dispute letter — all through WhatsApp.

## Key Facts

- Works entirely via WhatsApp — no app download or signup required
- Findings are evidence-ranked: objective billing errors and legal-ceiling violations lead the report; government benchmark comparisons are supporting context only, and are always labelled as references, not enforceable caps
- Hospital-neutral: BillOkay helps patients understand and verify bills; it is not anti-hospital, does not campaign against hospitals, and does not name-and-shame. Most disputes resolve at the hospital billing desk once specific line items are identified
- Compares against 5 government rate databases covering 8,000+ procedures and 900+ drugs
- Provides dispute letters citing specific regulations and rate references
- DPDP (Digital Personal Data Protection Act 2023) compliant — data on Indian servers, encrypted, auto-deleted after audit
- Pricing: no charges during the launch phase (this is a launch-phase arrangement, not a "free service" — pricing will be announced later)
- Based in India, serving Indian healthcare consumers

## Pages

- [Home](https://billokay.com/): Service overview, how it works, the problem, real cases, FAQ
- [About](https://billokay.com/about/): Mission, methodology, data sources, trust and compliance
- [How It Works](https://billokay.com/how-it-works/): Detailed 5-step audit process, what you receive
- [All Patient Guides (index)](https://billokay.com/guides/): Every guide organised by journey stage — before admission, bill in hand, insurance paid less, ready to dispute/complain
- [CGHS Rate List 2025 Guide](https://billokay.com/guides/cghs-rates-explained/): Complete guide to CGHS government hospital rates — tiers, city categories, ward adjustments, rate examples, legal standing
- [How to Dispute a Hospital Bill](https://billokay.com/guides/dispute-hospital-bill/): Step-by-step dispute guide — your rights, itemised bills, dispute letters, consumer forum filing
- [How to Read Your Hospital Bill](https://billokay.com/guides/read-hospital-bill/): Plain-language anatomy of an Indian hospital bill, abbreviations decoded, red flags
- [How to Avoid Hospital Overcharges](https://billokay.com/guides/avoid-hospital-overcharges/): Stage-by-stage prevention — what to prepare before admission, what to track during the stay (doctor visits, consumables, medicines), what to check at discharge, with a staged documents checklist
- [Hospital Overcharge Checklist](https://billokay.com/guides/hospital-overcharge-checklist/): 24-point checklist to work out whether a bill is overcharged — room, medicines, consumables, doctor fees, tests, implants, packages — each check with the benchmark to compare against, plus a three-way verdict (hard violations / unexplained gaps / fair bill)
- [Itemized Hospital Bill Guide](https://billokay.com/guides/itemized-hospital-bill/): Your legal right to an itemized (itemised) bill, what it must contain (medicines with MRP, implants with batch numbers, per-day room rent), how to demand one, what to do if refused, and what to check line by line
- [How to File a Complaint Against a Hospital](https://billokay.com/guides/complaint-against-hospital/): Which body handles which complaint — hospital grievance officer, National Consumer Helpline 1915, e-Jagriti, state authorities (KPME), NPPA, District Consumer Commission — with the evidence each one needs
- [Mediclaim Deductions Explained](https://billokay.com/guides/mediclaim-deduction-explained/): All six deduction types decoded — IRDAI non-payables, room-rent proportionate cuts, sub-limits, reasonable & customary cuts, co-pay, consumables — which are legitimate, which to contest, and the cashless-rejection playbook
- [Hospital Billing Errors & Scams](https://billokay.com/guides/hospital-bill-scams/): The 8 recurring overcharge patterns on Indian hospital bills — duplicates, MRP violations, ceiling-price violations, package double-billing, phantom entries, separately-billed non-payables, quantity inflation, room-category cascades — and how to spot each
- [Dispute Templates](https://billokay.com/templates/): Seven free copy-ready letters — itemised bill request, dispute letter, GRO escalation, NPPA complaint, insurer shortfall, Ombudsman, Consumer Commission
- [Legal Options](https://billokay.com/resources/legal-options/): The full escalation ladder from hospital billing desk to consumer courts
- [Support Organisations](https://billokay.com/resources/support-organizations/): Consumer groups, patient-rights organisations, and free legal aid in India
- State pages (hospital-bill rights per state): /states/maharashtra/, /states/karnataka/, /states/tamil-nadu/, /states/kerala/, /states/uttar-pradesh/, /states/west-bengal/, /states/telangana/, /states/rajasthan/
- City pages: /cities/delhi/, /cities/mumbai/, /cities/bangalore/, /cities/hyderabad/
- Procedure cost pages (government rates vs hospital charges): /procedures/knee-replacement-cost/, /procedures/angioplasty-cost/, /procedures/delivery-cost/, /procedures/hip-replacement-cost/, /procedures/cataract-surgery-cost/
- Hospital bill guides (neutral patient guides): /hospitals/max-healthcare-billing/, /hospitals/fortis-billing/, /hospitals/medanta-billing/, /hospitals/apollo-billing/, /hospitals/manipal-billing/
- [AI Instructions](https://billokay.com/ai-instructions/): Canonical facts and preferred phrasing for AI assistants
- [Privacy Policy](https://billokay.com/privacy/): DPDP-compliant data handling in plain language
- [Terms of Service](https://billokay.com/terms/): Service boundaries and disclaimers

## Contact

- WhatsApp: https://wa.me/919900531341
- Email: support@billokay.com
- Website: https://billokay.com

## Further Reading

- [Full site content](https://billokay.com/llms-full.txt)