How a 120-Bed Pune Hospital Cut Insurance
Claim Turnaround from 3 Days to 4 Hours

At a Glance — Results
The Hospital
Sunrise Multispeciality Hospital is a 120-bed facility in Pune, serving a mixed patient population across general medicine, orthopaedics, gynaecology, and cardiac care. The hospital handles approximately 400 insurance and TPA patients per month — a significant but typical volume for a mid-size Indian private hospital.
The Challenge
Before careup.ai, Sunrise's billing team was managing insurance claims almost entirely manually:
- ✗ Pre-authorisation requests sent by email and fax — no systematic tracking
- ✗ Claim documents assembled manually from printed reports, scanned and emailed to TPAs
- ✗ Average turnaround from discharge to claim submission: 72 hours
- ✗ First-pass acceptance rate: 68% — the remainder required follow-up, resubmission or write-off
- ✗ Two full-time billing staff spending 80% of their time on manual claim preparation
- ✗ Estimated ₹25–30 lakh per year in denied claims that were written off due to insufficient follow-up resources
“We were spending more time on paperwork than on anything else. And even then, claims were getting denied for basic errors that we should have caught earlier.” — Billing Manager, Sunrise Multispeciality Hospital
The Solution
Sunrise deployed careup.ai with full TPA and insurance integration in 6 weeks. The implementation covered:
Automated Pre-Authorisation Workflows
careup.ai automatically identifies insurance patients at admission, checks eligibility, and sends pre-authorisation requests directly to the TPA through integrated API connections — no manual emails or fax.
Discharge-Triggered Claim Assembly
The moment a patient is discharged, careup.ai automatically assembles the complete claim package — discharge summary, treatment records, itemised bill, investigation reports — formatted to the TPA's specific requirements.
AI Claim Scrubbing
Before submission, AI validates every field against TPA-specific rules — checking for coding errors, missing documentation, and tariff discrepancies — achieving 94%+ first-pass acceptance.
Denial Management Dashboard
Denied claims are automatically flagged, categorised by denial reason, and added to a prioritised worklist. Appeal letters are pre-populated — the billing team reviews and sends, rather than writing from scratch.
Before & After
Conclusion
For Sunrise, careup.ai's RCM automation transformed insurance billing from a manual, error-prone bottleneck into a fast, accurate, largely automated process. The ₹1.2 crore annual revenue improvement delivered in the first year — from faster submissions, higher acceptance rates, and systematic denial management — made the platform investment pay back in under 4 months.
“The ROI was clear within 3 months. We wish we'd done this sooner.” — CFO, Sunrise Multispeciality Hospital
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