Health insurance policy checkerThe fine print,
translated.
Upload the policy you already own. The engine reads every clause, exclusion and rider, and tells you what you are actually covered for, in the words you would use yourself.
One clause, both ways round
This is the whole product. On the left, the sentence exactly as your policy words it. On the right, what it does to you at the hospital counter. Pick a clause.
3.3 Where the Insured Person is admitted to a room the rent of which exceeds the eligibility specified in the Schedule, the Insured Person shall bear a rateable proportion of the total associated medical expenses, including surgeon fees, anaesthetist fees and operation theatre charges.
Highlighted phrases are the ones that decide what you are paid.
Take a room above your limit and you pay a share of the whole bill, not just the room.
The surgeon, the anaesthetist and the theatre are all scaled down by the same proportion. This is the single most common reason a claim pays out at half what the customer expected.
Your own report reads like this for every clause in the document, not just three.
What the engine looks for
Grouped the way a customer asks about them rather than the way the pipeline runs.
What you get paid
- Room rent capsand the proportionate deduction they trigger
- Co-pay percentagesincluding the ones that start at a birthday
- Disease sub-limitscataract, knee, maternity, and the rest
When you get paid
- Waiting periodspre-existing, specific surgeries, maternity
- Permanent exclusionsthe ones written into the annexure
- Restoration termswhether it refills for the same illness
Where you stand
- Zone limitationswhat changes if you are treated in a metro
- Employer dependencywhat you lose the day you leave the job
- Rider effectivenesswhich add-ons change a claim, and which do not
Three things, and nothing to buy
A clear verdict
Correctly insured, under-insured, or exposed. One score, and the sentence that explains it.
Plain English throughout
"Co-pay on Zone B treatment" becomes "you pay 20% of the bill in Mumbai". Every clause, that treatment.
Something to do about it
Specific next steps for the gaps we find. We never tell you which policy to buy, because we cannot earn on it.
Common questions
What does the health insurance policy checker look for?
Room rent caps, co-payments, disease sub-limits, waiting periods, permanent exclusions, restoration terms, zone limits, and which riders change a claim.
What can I upload for a policy review?
A PDF of your policy, or a clear photo of the printed document.
How long does a policy review take?
About a minute.
Is my policy kept private?
Yes. The report is private to your account. IndSure never sells your document and does not share it with an insurer or an advisor unless you ask.
Is the policy checker free?
Your first health policy check is free, with a free IndSure account and no card. More checks come with the Personal plan.
Now do it with yours
Pick your policy PDF. You will be asked to create a free account before the result is shown, so it has somewhere to live.
Check your policy
Upload the PDF your insurer sent you. We will tell you what it covers in plain language.
We hold your file for 24 hours so you can see your results after signing up, then delete it automatically if you do not. Maximum 10 MB. We never sell your data and earn no commission from insurers.