PolicyCheck

Will your policy actually pay when you claim?

Upload your health or term insurance policy. We read the fine print and show you, in plain words, what could cost you money at claim time.

  • 25+ checks
  • Based on IRDAI rules
  • Read on your device
  • Report in under a minute

Tick both boxes above to upload or enter your policy.

Your policy never leaves your device. It's read by code in your browser and cleared after you download your report or close the page.

Policy details

Showing an example policy. Upload yours or change any field.

About you

Your policy can't tell us these, so please answer.

Cover
Limits and deductions
Waiting periods
Benefits

Your policy health card

0out of 100

Example policy

What's working for you

    When you make a claim

      How it works

      1. Upload your policyThe PDF from your insurer's app or email. Or answer a few questions instead.
      2. We check 25+ pointsRoom rent caps, co-pay, waiting periods, zone rules, riders, cover amount and more, against IRDAI rules.
      3. Get your health cardA score, every gap in plain words, a real example of what it costs, and what to do at claim time.

      What we check

      Health insurance

      • Sum insured for your city and family
      • Room rent and ICU caps
      • Co-payment, deductibles and zone co-pay
      • Pre-existing and specific-disease waiting periods
      • Sub-limits, consumables, restoration, day care
      • 5-year moratorium countdown

      Term insurance

      • Cover amount against income and loans
      • Cover lasting until your children are independent
      • Disclosures and nominee details
      • First-3-years claim investigation window
      • Critical illness, waiver of premium and other riders
      • Payout type and MWP Act protection

      Your policy never leaves your device

      Your policy is read by code running in your own browser. It is never uploaded to our servers or shared with insurers or agents. When you download your report or close the page, it's gone.

      One simple price

      ₹99
      per report, pay by UPI
      • Your score and every gap we find
      • Real-life examples and what to do at claim time
      • A report you can download and keep
      • The cover calculator is always free

      Questions

      Is this insurance advice?

      No. PolicyCheck explains what your policy says and where it may fall short. We don't sell insurance, recommend insurers or earn commission. Confirm decisions with your insurer.

      Which policies can I check?

      Individual and family health policies, super top-ups, and term life policies from any insurer in India.

      My PDF didn't read properly. What now?

      Scanned or photographed PDFs have no readable text. Download the policy PDF from your insurer's app or email, or enter the details yourself.

      Is my data safe?

      Your policy is read on your device and never uploaded. If you pay, we keep only your email, mobile number and payment ID, to send your receipt and handle refunds.

      What if my payment fails or I'm charged twice?

      Failed UPI payments are returned by your bank automatically. For a double charge, email us with the payment ID and we'll refund it. See our refund policy.

      Unlock your policy report

      One-time payment by UPI for this report.

      Step 1 · Pay by UPI

      UPI ID
      Pay with UPI app

      Scan with Google Pay, PhonePe, Paytm or BHIM, or tap the button on your phone.

      Step 2 · Tell us you've paid

      Have an access code?

      Your policy stays on your device. We only receive the payment details above, to match your payment.