Insurance policy checker · India
Does your policy actually cover you?
Paste your health insurance policy and get a fairness score, the key terms in plain English, the 🚩 red flags (room-rent sub-limits, waiting periods, co-pay, exclusions), and the questions to ask your insurer — before you buy or renew.
🔒 We don't store it, and we auto-remove emails, phones, PAN & Aadhaar before sending to Google's AI (which may still use content to improve its services). Redact names too if sensitive.
This is an AI explainer to help you understand your document faster — not legal advice. Verify important clauses with a lawyer before signing.
What FinePrint checks in an insurance policy
Indian health policies bury the clauses that hurt at claim time: room-rent sub-limits that trigger a proportionate deduction on your whole claim, long pre-existing-disease waiting periods, mandatory co-pay, procedure sub-limits, and exclusions you never read. FinePrint reads the whole policy and flags these in seconds.
We also check a rent agreement, an offer letter, or a loan agreement.
Frequently asked questions
- Is this insurance policy checker free?
- Yes — completely free, no login. Paste your policy document or upload a photo/PDF and get the analysis in seconds.
- What is a room-rent sub-limit and why does it matter?
- It caps the room rent your policy pays (e.g. 1% of sum insured per day). If your actual room costs more, many policies then apply a proportionate deduction to your ENTIRE claim — not just the room. It's one of the most missed and costly clauses, so we flag it.
- What is a pre-existing disease (PED) waiting period?
- It's the time you must hold the policy before conditions you already had are covered — commonly 2–4 years. A long PED wait, or a broad PED definition, can delay or deny claims, so it's worth checking.
- What does it check in a policy?
- Room-rent/ICU sub-limits, pre-existing and disease-specific waiting periods, co-pay, procedure sub-limits, deductibles, exclusions, claim conditions, and renewal/restoration terms.
- Is this insurance or financial advice?
- No. It's an AI explainer to help you understand your policy faster — not insurance or financial advice. Verify anything significant with a licensed advisor.