KoverAI

Inspiration

Healthcare billing is one of the few systems where people are expected to make complex financial decisions while they are scared, sick, or exhausted. Across countries, insurance types, and income levels, the experience is the same: a long, confusing bill arrives after treatment, written in codes and language most people don’t understand. Patients are forced to either pay blindly or fight a system they don’t have the tools or energy to challenge.

This problem is deeply personal. Almost everyone on our team has experienced being overcharged, double-billed, or pressured to pay for medical services without knowing whether the charges were fair, legal, or already covered by insurance. In many cases, hospitals are not intentionally malicious but billing systems are complex, error-prone, and opaque, and those errors almost always favor the institution, not the patient.

What motivated us to build KoverAI was a simple but powerful question: What if everyday people had the same tools and leverage that professional medical auditors and insurers use without needing legal knowledge, time, or money?

We wanted to create something that works globally, across countries and insurance systems, and that gives people clarity and confidence at one of their most vulnerable moments.

What it does

KoverAI is an AI-powered healthcare bill defense and price-transparency platform that helps patients verify charges, find cheaper alternatives nearby, and challenge unfair bills anywhere in the world.

When a user signs up, they either upload their insurance or HMO policy PDF or simply enter the name of their insurance plan. This can be a private insurer, employer HMO, government health plan, or no insurance at all. The AI reads and understands the policy rules what is fully covered, what requires co-pay, room category limits, medication coverage, and any pricing caps set by insurers or governments. If the user has no insurance, KoverAI automatically switches to a cash-pay mode and uses public healthcare pricing rules, regulatory caps, and market averages for that country as its reference.

When a hospital bill is uploaded PDF, photo, or scan KoverAI audits every line item. It compares what the hospital charged against the user’s insurance rules or local pricing regulations and flags discrepancies clearly. This includes overcharges, duplicate fees, services that should have been free, incorrect percentages, upcoding of room types, inflated time-based charges, and violations of insurance or government pricing rules.

KoverAI doesn’t stop at analysis. After scanning a bill, it generates a Defense Package:

A clear audit report showing exactly what was charged versus what should have been charged, with explanations anyone can understand.

A price-comparison map using the user’s location, highlighting nearby pharmacies or vendors where the same medications or supplies are significantly cheaper.

A professionally written dispute letter or message, tailored to the user’s country and insurance type, citing the relevant policy terms or regulations and giving the user real leverage to request corrections.

All bills are stored in a private dashboard where users can track issues found, potential savings, and dispute status. Users have full control over their data and can delete any bill history at any time.

In simple terms: KoverAI turns medical bills from confusing threats into clear facts, nearby options, and actionable power.

How we built it

We approached KoverAI as a designer-first, AI-driven product.

The user experience and flows were designed in Figma, focusing on clarity, emotional calm, and trust because users are often stressed when using healthcare tools. We created high-fidelity mockups to simulate the full journey: onboarding, insurance upload or selection, bill scanning, audit results, map-based pharmacy comparison, and dispute generation.

On the AI side, the system is designed to:

Ingest insurance policy documents or plan metadata and convert them into structured rule sets.

Extract and normalize line items from hospital bills using document understanding models.

Compare charges against insurance rules, government price caps, and market averages depending on country and billing context.

Use geolocation data to surface nearby, lower-cost pharmacies and medical vendors.

Generate clear, professional dispute letters referencing applicable rules or regulations.

The frontend experience is focused on making complex logic feel simple and human, while the backend AI handles the heavy reasoning invisibly

Challenges we ran into

One of the biggest challenges was designing a system flexible enough to work across different countries, insurance models, and billing formats. Healthcare rules are not universal, and we had to think carefully about how the AI adapts its “rulebook” depending on whether a user is insured, under an HMO, or paying out of pocket.

Another challenge was tone. We needed to generate dispute letters that are firm and credible without being aggressive or legally reckless. The goal is leverage, not confrontation. Balancing authority and professionalism was critical.

We also had to ensure that the product empowers users without overwhelming them. Too much information can feel just as paralyzing as no information at all, so we focused on surfacing only what matters most at each step.

Accomplishments that we're proud of

We’re especially proud of how KoverAI combines analysis, alternatives, and action into one flow. Many tools stop at “insight.” KoverAI goes further by showing users where they can get the same medication cheaper nearby and giving them the exact language to challenge unfair charges.

We’re also proud that the product works whether a user has insurance, partial coverage, or no insurance at all making it inclusive and globally relevant.

Finally, we’re proud of the emotional design. KoverAI doesn’t shame users for not understanding medical bills. It reassures them that confusion is normal and gives them clarity and control.

What we learned

We learned that healthcare problems are rarely just technical they’re emotional, legal, and deeply human. People don’t want to “optimize” healthcare costs; they want fairness and peace of mind.

We also learned that AI is most powerful when it works quietly in the background, translating complex systems into simple decisions rather than forcing users to interact with the AI directly.

What's next for KoverAI

Next, we plan to expand KoverAI’s country-specific rule libraries, insurer databases, and pharmacy pricing sources to improve accuracy and coverage worldwide. We also want to integrate direct dispute submission to insurers and regulators where possible and explore partnerships with consumer protection agencies and patient advocacy groups.

Long term, KoverAI aims to become a trusted personal healthcare financial assistant one that protects people not just after treatment, but throughout their entire care journey.

Built With

• ai
• api
• html
• loveable
• photoshop
• react
• tailwindcss
• typescript
• vite
• vscode