- +91- 8999543764
- info@abservices.org.in
- 16, Rameshwari Nagar , Nagpur 440027, MH, India,
Life Insurance Claim Investigation Specialists
We are pleased to share that since 2014, our team has been dedicated to serving Life Insurance companies with the highest standards of due diligence. Following an internal restructuring aimed at enhancing our investigation quality and reporting standards, we are announcing a formal division of our operations.
To better serve our clients and streamline specialized workflows, Aatos Services Pvt. Ltd. has transitioned into two independent entities:
Owned and headed by Mr. Anand Gandhi. This entity will now focus exclusively on Medical Transcription and General Insurance Health Claim services.
Headed by Dr. Artee Yogesh Bhargava and Dr. Yogesh Bhargav. This entity will focus solely on Life Insurance Claim Investigations.
Please note the following regarding our ongoing partnership:
AB Services remains your trusted partner for specialized claim verification and investigation. We have updated our internal processes to provide even greater accuracy and efficiency in our reports. We are providing the necessary documentations to update the record with you.
We have always tried and served with best efforts, zeal and honesty. We are always open to accept changes for the betterment of fraternity and to upgrade the working pattern in the field of investigation services.
AB Services is presently serving insurance Companies with a competent staff and very honest field explorers. We had proved our mettle whenever required and always worked under the zero-tolerance policy against corruption.
We had well qualified team of Forensic Doctors possessing MD degree in Forensic Medicine, Forensic Science with Sound Knowledge and experience in their Fields with domain knowledge of process of claims and investigations. The medical experts Services provided regarding opinion and their comments as available under single roof.
Our professional teams consist of Qualified physicians who had given their opinion in number of cases matter related to pre-existing diseases, cause and Duration of diseases so our clients benefited by such opinions and helped them doing in Justice with insurance Claims.
Our legal team is always upper handed in nature and any fraudulent claim raised against our client is faced by us in prima facae, we always stand with our clients. Our legal team members most of them possesses Master degree’s in Law and are handling insurance claims with sound experience.
In cases where medico-legal opinion are required on reports like Post Mortem Reports, Injury reports, cause of death, on MLC are provided by us.
Till date we are using the simple Modern Technology methods to provide the services to Insurance company.
We are bound to agreement made to our client, hence maintaining the Professional Secrecy, thus unable to disclose the names of company to whom we are services providers.
On request of concern authority Number of clients can be shared with approval of our existing clients, so new service seeker can confirm directly working pattern and goodwill.
Always updated to provide the best services to clients, time bound, cost effective and all required services under one roof.
AB Services stands for “A Thought” — a single, unwavering belief. A belief that there should be no second thought when it comes to integrity, accuracy, and fairness in insurance investigations.
Driven by this philosophy, our team works with unmatched zeal, discipline, and commitment to deliver non-debatable, fact-based, and reliable investigation services to our clients, predominantly leading Insurance Companies across Life and Health segments. We operate with a sharp focus on high-risk and red-alert zones, maintaining constant vigilance over areas prone to fraudulent activities. Through proactive intelligence, deep field investigations, and forensic precision, our clients have consistently succeeded in significantly reducing fraudulent insurance claim ratios, especially in sensitive and high-exposure portfolios.
Beyond assigned investigations, AB Services voluntarily monitors emerging risk areas and promptly alerts insurance companies wherever potential fraudulent policies or claims are anticipated — reinforcing our role not just as investigators, but as risk partners.
At AB Services, our mission is to protect the sanctity of the insurance ecosystem by delivering cost-effective, time-bound, and incontrovertible investigation services, while promoting transparency, accountability, and ethical conduct across the industry.
We are committed to:
| Name | Designation | Qualification | Experience | Specialization |
|---|---|---|---|---|
| Dr. Artee Y Bhargava | Managing Director | MD., BA(eng)., M.A.(psyco). CIAFP( III & NAI) | 12 years | Administration, Risk, Fraud mitigation & documentation. |
| Dr. Y.M. Bhargava | Director | B.H.M.S., DNT, B.A(eng.), LLB., PGDFS&RL. Fellow Ins .inst. India. CIAFP( III & NAI). | 14 yrs. | Life and Health Insurance Fraud Control. |
| Vinay Surayawanshi | Chief Administrator | BA | 12 years | Centralized Administrator. |
Executives / Investigators: 19 - All are Graduate and Field experience of 05 to 12 Yrs.
| Sr. | Scope of Work | Rate (INR) |
|---|---|---|
| 1 | Claim investigations (death, critical illness & Health) | 8000 |
| 2 | Claim assistance | 3500 |
| 3 | Documents procurements | 2000 |
| 4 | Profile checks | 1500 |
| 5 | Medical records procurement | 3500 |
| 6 | Document verification (each) | 1500 |
| 7 | Live verification and pre claim verification | 3500 |
| 8 | Ad hoc claim expenses | 2000 |
| 9 | Repudiation bonus | 8000 |
| 10 | Police complaint | 15000 |
| 11 | FIR lodged | 25000 |
| 12 | Death certificate cancellation | 15000 |
| 13 | Employee verification (risk control) | 3000 |
| 14 | Medical centre risk verification | 10000 |
| 15 | Pre issuance Video call verification | 500 |
| 16 | Skip tracking of lapse policies (client found) | 2000 |
| 17 | Skip tracking of lapse policies (client not found) | 500 |
| 18 | Medico legal reports opinion | 10000 |
| 19 | Medical opinion on treatment, imaging & diagnostic reports | 2500 |
| 20 | Forensic Document Examination | 20000 |
| 21 | Forensic Signature Examination | 2000 |
| 22 | Digital Verification | 15000 |
End-to-end investigation of insurance claims to assess authenticity and compliance. Field investigations, hospital visits, and evidence collection.
Support to insurers/TPAs in claim processing activities. Coordination with claimants, hospitals, and employers.
Collection of required documents from hospitals, employers, and authorities. Ensuring completeness and authenticity.
Background verification of insured including address, occupation, income, and lifestyle profiling.
Authentication of submitted medical, financial, and identity records with issuing institutions. Identification of discrepancies.
Real-time verification through video calls. Confirmation of health condition or hospitalization prior to claim registration.
Tracing and locating policyholders of lapsed policies. Providing updated contact details and existence confirmation.
Scientific examination to detect forgery or alterations. Analysis of ink, handwriting, and printing using forensic techniques.
Maharashtra State: Whole Maharashtra except Raigad, Ratnagiri and Goa.
Madhya Pradesh: Whole Madhya Pradesh Except Singrauli.
Uttar Pradesh (U.P.)
AB Service many time has space in media specially in News Papers. Hundreds of detected fraudulent cases are published in NEWS papers. The coverage enjoyed by ASPL/AB Services is always in positivism and right direction.
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