Your health policy,decoded by AI
Insurance documents run into dozens of pages of fine print. Upload yours and our AI reads every clause for you, then gives you a clear score, the limits hiding in the small print and simple steps to fix any gaps before you need to make a claim.
- 100% free
- Results in <10sec
- Private and secure
- Works with every insurer
Just upload your policy PDF. Your report is ready in under a minute.
What our AI checks for you
- Room rent limits
- Waiting periods
- Co-payment
- Sub-limits
- Exclusions
- Restoration benefit
- No-claim bonus
- Day-care cover
How Does Health Insurance Policy Analyser Work
- 1Step 1
Upload your policy
Upload your health policy document as a PDF, from any insurer.
- 2Step 2
We decode the fine print
Our tool scans and decodes important policy terms, limits and exclusions.
- 3Step 3
Get a clear score
See an easy-to-read report with an overall score for your cover.
- 4Step 4
Know what to do next
Find out the Must-have, Good-to-have and Nice-to-have features your health plan is missing.
Upload any health policy
Individual, family floater or critical illness, from any insurer.
- Report in under a minute
- Works with every insurer
- 100% free
- Private and secure
How to Read Your Policy Analysis?
Your results are divided into 3 simple buckets so you instantly know what’s essential, what adds extra protection, and what’s a bonus.
- 1Must-have
Must-Have Covers (The Basics You Can’t Ignore)
These are the foundation of any good health insurance.
Sum Insured: Is your cover big enough for today’s hospital costs?
Room Rent Limit: Caps on daily room charges can force you to pay extra.
Consumables: Gloves, masks, syringes, small items that add up in bills.
Sublimits: Hidden caps on treatments like cataract or joint replacement.
Co-pay: The share of the bill you may have to pay from your pocket.
Deductibles: The fixed amount you must pay before insurance kicks in.
- 2Good-to-have
Good-to-Have Covers (Extra Protection for Peace of Mind)
These features reduce surprises and make your policy more flexible.
Waiting Periods: How long you must wait before coverage begins.
PED Coverage: Inclusion of pre-existing diseases like diabetes or asthma.
Pre & Post-Hospitalisation: Covers tests, medicines, and follow-ups.
Bonus Sum Insured: No-Claim Bonus or Inflation Protect that increases your sum insured annually, whether you claim or not.
- 3Nice-to-have
Nice-to-Have Covers (Value-Adds That Make Treatments Easier)
These aren’t essentials, but give added comfort and convenience.
Annual Health Check-Up: Free preventive tests every year.
Road Ambulance: Coverage for ambulance costs during emergencies.
Restoration Benefit: Refill your cover if it gets used up in a year.
AYUSH Treatment: Coverage for Ayurveda, Yoga, Homeopathy, etc.
Second Opinion: Expert medical advice for critical conditions.
Maternity Benefits: Expenses for delivery and newborn care.
OPD Benefits: Outpatient visits, doctor consultations, and medicines.
Why Use the Health Insurance Policy Analyser?
Many people buy health insurance thinking they’re fully covered. But when the time comes, hidden limits and exclusions can leave you unprotected.
The problem
Most people only discover the gaps in their cover at the hospital billing desk.
The Policy Analyser shows you those gaps today, while you still have time to fix them.
Understand your coverage limits
What it means for you
Break down tricky terms like room rent caps, sub-limits, and waiting periods so you know exactly what’s covered.
Spot hidden exclusions
What it means for you
Identify clauses that could lead to claim rejections, such as missing inclusions or restrictions on specific treatments.
Check your sum insured
What it means for you
See if your current cover (₹5L, ₹10L, etc.) is sufficient for today’s hospitalisation costs in your city.
Get personalised suggestions
What it means for you
Receive tailored recommendations on how to upgrade or adjust your policy to better protect your family.
Analyse Health Policies from Any Insurance Company
Every policy may look good on paper, but the fine print is crucial. This tool helps you uncover hidden gaps and understand if your policy will truly support you at the time of hospitalisation. Here’s how the Policy Analyser helps:
Unbiased by design
No bias. The tool highlights gaps honestly, giving you an unbiased assessment of your policy.
Every policy type
Analyse individual, family floater and critical illness policies from any insurance company.
Cover vs. need
Compare your current cover with what you may actually need and see exactly where it falls short.
What Does Your Policy Score Mean?
Your score indicates how well your current plan protects you and what steps to take next.
- Score 40–70Needs attention
Significant gaps in coverage
Your policy may have hidden limits, long waiting periods, or missing essential covers. Consider exploring better plans that fill these gaps or switching to stronger coverage.
- Score 70–90Room to improve
Decent coverage, but room for improvement
Your policy covers the basics but could offer stronger protection. Consider upgrading key features, such as a higher sum insured, shorter waiting periods, or adding critical illness cover.
- Score 90+Well covered
Strong, comprehensive coverage
Your policy already offers excellent protection. You’re well-covered and can feel confident about your plan.
- Policy Types Supported
- 50+
- Average Analysis Time
- <10s
- Private and Secure
- 100%
- No Hidden Costs
- Free
Ready to understand your policy?
Stop guessing what your insurance covers. Upload your policy and get complete clarity in under a minute.
Have questions about your report? Talk to an expert.
Our insurance advisors can walk you through your results and help you decide what to do next. Book a free call at a time that suits you, or simply message us on WhatsApp.
- Clear, unbiased advice on your current cover
- Help reading your policy report, line by line
- Guidance on the right upgrade or top-up for you