JB Med Health & Wellness Pvt Ltd, Panipat, Haryana
A physician-led healthcare KPO for U.S. telehealth and healthcare organisations.
Doctors set the standard for how we read clinical records. Trained analysts and our own platform, DisputeOS, carry that standard across thousands of cases a month: workplace accommodation reviews, diagnostic test coordination, payment disputes and financial analysis.
2021 to July 2023
COVID-19 support
Vaccination certificate validation, testing orders and contact tracing for U.S. employers.
Ongoing
Clinically informed case management
AccommoCare workplace accommodation cases and LabCorp diagnostic test coordination.
July 2025 to now
Payment dispute resolution
Chargeback representment for telehealth merchants, run on DisputeOS since May 2026.
Next
Licensing DisputeOS
Our platform and playbooks for telehealth ventures in the U.S. and India.
What we are
Knowledge work that needs a clinician's eye.
A KPO takes on work that needs judgement, not just data entry. Ours needs clinical judgement: reading a doctor's recommendation, matching a test to a prescription, or proving that a consultation and delivery really happened.
JBMED was founded in 2021 by a physician and a pathologist, each with four decades in medicine, and their daughter. Our doctor-directors set the review rules and checklists, and every analyst works to them.
What we do
- Review and organise clinical documents
- Coordinate cases between employers, clinicians and labs
- Build evidence files for payment disputes
- Reconcile records and report on outcomes
What we don't do
- Treat or diagnose patients
- Prescribe or recommend medicines
- Replace the treating clinician's decision
We support the decisions doctors make. The clinical decision always stays with the treating clinician.
Our history
Three phases, one client relationship, one standard of care.
We have worked with CareValidate, a U.S. telehealth platform, since 2021. Each phase grew out of the one before it.
1
2021 to 31 July 2023
COVID-19 support for U.S. employers
We began with three young women, fresh BCA graduates from a local college, validating COVID-19 vaccination certificates for employees of U.S. companies. They learned to read medical documents carefully, at volume, under U.S. privacy rules.
- Vaccination certificate validation on CareValidate's platforms
- COVID-19 testing orders for employees of U.S. companies
- Contact tracing recorded on CareValidate's Care360 platform
2
Ongoing
Clinically informed case management
As pandemic work wound down, the same skills moved into case work where a doctor's recommendation or prescription drives the next step. These remain core service lines today.
- AccommoCare: workplace accommodation requests from employees of U.S. companies, including JetBlue, reviewed against their doctors' recommendations
- LabCorp coordination: arranging and tracking the diagnostic tests patients need for medicines prescribed by telehealth practitioners
3
July 2025 to now
Payment dispute resolution
On CareGLP, CareValidate's telehealth platform, we took on chargeback disputes. Until April 2026 we did this by hand. At 332 cases a month, manual work could no longer keep up with bank deadlines, so we built DisputeOS. It has run our dispute work since May 2026.
Dispute cases handled each month
Handled by a team of 17, without growing headcount in proportion to cases.
Services
Four service lines, all clinically informed.
Each is scoped, reported and billed as its own service line.
AccommoCare case management
For U.S. employers and their accommodation programmes
We handle employees' requests for special medical aids and workplace adjustments, checking each one against the recommendation of the employee's own doctor and keeping the case moving to a decision.
LabCorp diagnostic test coordination
For telehealth practitioners and platforms
When a prescribed medicine needs lab work first, we handle and reference the LabCorp orders for the tests the patient needs, and track each one so the prescribing practitioner has what they need.
Payment dispute resolution
For telehealth merchants facing chargebacks
We defend merchants against chargebacks with complete evidence files: consultation and prescription records, fulfilment and delivery proof, and patient communication, submitted before every bank deadline on DisputeOS.
Financial planning and analysis (FP&A)
For client finance and operations teams
We reconcile orders, payments, refunds and disputes, and turn them into reports that show where revenue is lost and how to prevent it.
Our platform
DisputeOS: built in-house when the work outgrew spreadsheets.
Every dispute case follows the same six steps, whether we handle 27 cases a month or more than 5,000.
Case assigned
Rules route each new case to the right analyst automatically.
Risks flagged
Urgent deadlines and duplicate assignments are caught early.
Records matched
Order, payment, prescription and delivery records are linked across systems.
Evidence built
A checklist for each dispute reason sets what to include.
Checked and submitted
A second person reviews every response before the deadline.
Outcome logged
Each win or loss feeds prevention advice for the merchant.
Our future focus
From one client and one platform to a licensable model.
DisputeOS is client-agnostic. The next phase is taking what works for CareValidate to more organisations.
More storefronts on CareValidate
Extending our dispute, accommodation and lab coordination work to other telehealth brands running on CareValidate's platform.
DisputeOS licensing in the U.S. and India
Subscription access to DisputeOS, with our onboarding and case-handling playbooks, for telehealth ventures that want to run disputes in-house.
Dispute prevention as a service
Turning our win/loss data into regular advice that helps merchants get fewer disputes, not just win more of them.
Beyond health-tech
Applying the same evidence-first method to payment disputes in other online businesses, a much larger market.
Company details and contact
Talk to us.
- Legal name
- JB Med Health & Wellness Private Limited
- CIN
- U85190HR2021PTC099927
- Incorporated
- 2021
- Registered office
- H.No. 126-R, Model Town, Panipat, Haryana 132103, India
- What we are
- Physician-led healthcare KPO serving U.S. telehealth and healthcare organisations
- Directors
- Dr. Ramesh Chhabra, Dr. Padmini Chhabra, Shipra Chhabra
Get in touch
For client enquiries, partnerships or DisputeOS licensing, write or call us.