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Insurance Policy Analyzer

AI
coverage + exclusions + waiting periods + claim process + renewal/portability + risk flags. Health/life/motor/home/travel/term.
New here? This AI tool is free to try.
Create an account and get 5 credits — no card, no daily limit.
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What you'll get: a coverage + premiums + exclusions + waiting periods + claim process + renewal/portability report with risk flags (room-rent capping, sub-limits, missing day-care list, restoration absent). Not insurance advice. For another use, try AI · Blood Test Analyzer.

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Private & secure
AI tools process your PDF in memory, send only the extracted text to the model, and discard everything immediately. No file is persisted on our servers.
No watermarks
Clean output, no branding, no daily limits.
Pay only for what you use
Purchased credits never expire. Cancel anytime.

Why people use Insurance Policy Analyzer

Indian insurance policies (health, life, motor, home, travel, term) bury the important parts in fine print: coverage scope, exclusions, waiting periods, sub-limits, claim process, renewal terms. Insurance Policy Analyzer surfaces all of it as a structured report. Triage aid, not insurance advice — for product-specific guidance consult an IRDAI-licensed advisor.

Pre-purchase policy comparison
Before buying a health policy from Star / HDFC ERGO / ICICI Lombard / Manipal Cigna, run the brochure through the analyzer. Surfaces coverage / exclusions / waiting-period structure side-by-side — faster than reading 40-page policy wordings.
Claim time policy review
Before filing a claim, run YOUR policy through the analyzer. Surfaces what’s covered / excluded / sub-limited for the specific procedure or event. Useful for the “is this claimable?” first-pass before talking to TPA.
Annual renewal check
Insurance policies change terms at renewal. The analyzer surfaces what changed vs the previous year’s policy (often coverage shrinks or premium increases tied to NCB loss / age band change).
Term life / ULIP review
Term life is straightforward; ULIPs are complex (charges, fund options, surrender values). The analyzer surfaces the charge structure (premium allocation, mortality, fund management, policy admin charges) and the surrender penalty curve. Useful for the “is this still worth holding?” decision.
Group vs personal cover comparison
Employer group health cover often has gaps employees plug with personal cover. The analyzer compares the two policies’ combined coverage to surface what’s actually covered vs duplicate vs gap.

How Insurance Policy Analyzer works

Three steps. Sign in to run, zero retention — files never persisted on our servers.

  1. STEP 1
    Drop the policy PDF
    PDF up to 50 MB. Works on Indian policy types (health, life, motor, home, travel, term). Most major insurers’ policy formats are pre-recognized.
  2. STEP 2
    We structure the policy
    Server-side extraction, then a structured pass that surfaces: coverage scope / exclusions / waiting periods / sub-limits / claim process / renewal & portability terms. Risk flags on aggressive exclusions or missing standard coverage.
  3. STEP 3
    Get a structured review
    Markdown output with sections: Coverage / Exclusions / Waiting Periods / Sub-Limits / Claim Process / Renewal / Risk Flags. Page citations link each finding to the source.

What makes pdfcraft ai different

  • Citations on every claim
    Every AI summary, answer, and translation links back to the page it came from. You can verify the source before relying on the output. Hallucination is bounded, not blind.
  • Pay only for what you use
    No subscription. Purchased credits never expire. Cancel anytime. Cost shown before you run — exact credit amount appears after upload.
  • Multi-provider routing, no vendor lock-in
    We balance multiple AI providers per call to optimise cost and quality. If one has an outage, the next call automatically tries another. You're not bound to a single vendor's pricing or downtime.
  • Zero retention by design
    Your PDF lives in memory only as long as the AI call needs it, then it's discarded — nothing is persisted to our servers. We don't fine-tune models on your data. Verifiable in your dashboard's audit log.
  • Honest about model limits
    When a doc exceeds the model's context window we surface that the output was truncated (we render result.wasTruncated in every AI tool's UI). When a number can't be verified from the source we flag it. No silent failures.

Frequently asked questions

Is this insurance advice?
No. The analyzer surfaces what the policy SAYS — it doesn’t recommend whether to buy, switch, or claim. For product selection or claim disputes, consult an IRDAI-licensed advisor or insurance ombudsman. For tax / financial planning around insurance, a CA or financial planner is appropriate.
Does it understand Indian policy types?
Yes. Health (mediclaim, family floater, super top-up), life (term, ULIP, endowment, money-back), motor (own-damage + third-party + zero-dep + RTI), home, travel, term riders. Indian-specific concepts (NCB, sub-limits, room-rent capping, AYUSH coverage, OPD coverage) recognized.
Will it catch hidden exclusions?
Surfaces all exclusion clauses (pre-existing, specific procedures, waiting periods, room-rent capping, sub-limits per condition). The structured output makes the exclusions scannable in 2 minutes vs reading 40 pages of policy wording. Note: novel exclusions specific to a new policy may not be perfectly classified — treat the report as comprehensive, not exhaustive.
Can it explain claim process?
Surfaces the policy’s stated claim process (cashless TPA / reimbursement / direct claim) and document requirements. For specific claim disputes (claim rejection, partial settlement), use the output to inform your discussion with the insurer / TPA / ombudsman — the analyzer doesn’t adjudicate disputes.
What’s the credit cost?
3 credits per policy. Cost is fixed regardless of doc size.
Privacy?
Policy sent to inference provider for analysis, not stored. For maximum confidentiality (especially health policies with disclosed conditions), redact policyholder name + medical-history declarations via Redact PDF first.

Have a hospital discharge to review too?

Discharge Summary Simplifier rewrites Indian hospital discharge summaries in plain English — useful pre-claim to align the discharge content with the policy’s coverage language.

Try Discharge Summary Simplifier

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