Know exactly what your health policy actually covers.
Upload it. We read every clause in 90 seconds. You get red flags, member-by-member coverage, and the questions to ask your insurer — in plain English, Hindi, or Kannada.
The fine print is where claims die.
of claim disputes are caused by clauses customers didn't know about.
median out-of-pocket on a single hospitalisation when sub-limits trigger.
Indian families discover an exclusion only after the claim is filed.
Not a score. The actual answers.
Red flags, in plain language
We surface the clauses that hurt you — proportionate deduction, sub-limits, waiting periods — with the exact wording from your document.
Coverage, by family member
Each member gets their own card: what's covered, what's not, what's conditional. Tailored to ages and pre-existing conditions.
Questions to ask your insurer
When the document leaves something unsaid, we tell you the exact question to put to the insurer or TPA — no industry-typical guesswork.
Follow-up chat
Stuck on a clause? Ask. Our chat answers only from your policy + the analysis — no hallucinated advice.
Three steps. Sixty to one-twenty seconds.
- 01
Upload
PDF, photo of the schedule, or the policy wording booklet. Up to 50 MB.
- 02
We read
Our AI extracts every coverage section, exclusion, sub-limit, waiting period — verbatim.
- 03
You decide
Free summary instantly. Add your family for tailored member cards. Ask the chat anything.
A score on a brochure means nothing. Coverage for YOUR mother does.
Tell us your family — ages, pre-existing conditions, where you live. We re-analyse your policy in that context. The same ₹7-Lakh sum-insured can be wildly enough or wildly inadequate depending on who's covered.
- Per-member must-watch items, not generic warnings
- Diabetes, hypertension, dyslipidemia → tailored coverage notes
- City-tier-aware (metro vs tier-2 vs tier-3 outcomes are different)
Advisory only. No broker license. No policy pushing.
Your data, your control
India-region servers. We collect only what we need. Granular consent toggles. Export or delete everything any time.
No conflict of interest
We don't sell policies. We don't take commission from insurers. You pay us — that's our entire incentive.
Verbatim grounding
Every claim cites the exact line from your document. We don't speculate about industry norms.
Free first. Simple after.
- Full AI scan of one policy
- Summary + red flags
- No card required
- Sign up to save the report
- Unlimited analyses
- Member-by-member coverage cards
- Renewal reminders
- Priority chat support
We never take commission from insurers. No mis-selling. No upsell traps.
Quick answers.
Your questions
- Is this legitimate? +
- Yes. We operate as an information and document-preparation service — the same regulated space Insurance Samadhan has occupied for 7 years. We do not sell policies. We do not hold an IRDAI broker license. We receive no commission from insurers.
- Is my data safe? +
- Data is stored on Indian servers (AWS Mumbai). You can download or delete your data at any time from your account settings — fulfilled within 72 hours.
- Am I eligible for PM-JAY? +
- Since October 2024, every Indian aged 70+ is automatically eligible regardless of income. If you are younger, eligibility depends on SECC data or your state's expansion — check with our free tool.
- Is this really free? +
- Government-scheme eligibility checks and basic insurance literacy are always free and anonymous. Case filing, document drafting, and recovery work are paid — priced up front.
- How long does a recovery case take? +
- Ombudsman cases typically resolve in 3–4 months. Insurer grievance responses are mandated within 14 days; mis-selling complaints within 15 days. We track every deadline.
Policy analyser is the start. More on the way.
Got a rejection? We'll write the appeal letter and walk you through Ombudsman if needed.
Eligibility check for Ayushman Bharat, PM-JAY, PMSBY, PMJJBY — always free, always anonymous.
A single dashboard for every policy in the household, with renewal nudges and gap analysis.
Specialised flow for 60+ — large fonts, voice input, simpler language.
Help small businesses pick the right group health cover for their team.
If a life-insurance product was mis-sold, we help you reclaim what you can.
Stop guessing. Start knowing.
Your first analysis is free. No card, no broker, no spam.
Analyse my policy