India's first AI policy decoder

Your 40-page insurance policy,decoded in 60 seconds.Plain English. Every hidden trap, flagged.

Insurance is sold in 40 pages of legalese for a reason. Upload any policy: health, motor, life, or travel. Our AI scores your coverage, flags every hidden trap, and hands you a downloadable report in 60 seconds.

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Not a generic AI answer50+ clause-level checks · IRDAI compliance · real claim-settlement data · India benchmark library

Decode yours

What does your policy score?

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Why you can trust us

A decoder that checks its own work.

Run through a purpose-built India-insurance engine, not a generic chatbot. Here's what every decode checks:

IRDAI Master Circular 2024Every clause checked against the binding regulation
40+ clause-level checksSub-limits, co-pays, waiting periods, exclusions
Proportionate-deduction mathModels real Tier-1 hospital costs vs your caps
Market benchmark datasetWhat strong policies actually offer, per dimension
Claim-settlement dataYour insurer's real track record, with caveats
Plain-English translationEvery clause decoded for a non-expert
See exactly how we check our work →

You could paste your policy into ChatGPT.

Here's what changes when you don't.

Generic AI
FinDecode
Quotes from your policy
Can invent clauses that aren't there
Every quote located in your PDF, or removed
India context
Doesn't know IRDAI rules or your insurer's record
Built on IRDAI rules + official CSR data
If it's wrong
No accountability; it's a chat
Refund if factually wrong
3.7 Cr
Health insurance claims filed in 2024-25
1 in 3
Policies hide sub-limits in fine print
₹0
Average claim actually paid

Source: IRDAI Annual Report 2024-25. And rejection is just the visible loss; the bigger one is partial payouts: caps, co-pays and sub-limits that quietly shrink the rest.

Pricing

One-time.
No subscriptions, ever.

The free scan shows what's wrong. ₹149shows you exactly what to do about it, with the clause behind every flag. Refund if we're factually wrong.

Free scan
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  • Your overall verdict + flag
  • How many issues: critical / moderate
  • Your top 3 issue titles
  • Rough money-at-risk band
Start free
Full report
Full report
₹149
One-time · no auto-renew
  • Your exact policy score
  • Every issue, with the exact clause it hides in
  • Benchmarks vs the India standard
  • Coverage map + plain-English glossary
  • Your action plan + PDF (downloaded & emailed to you)
Get full report · ₹149
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Secured by Razorpay· UPI, cards & netbanking · Refund if our analysis is factually wrong

What we find

Three things your insurance company hopes you never read.

Hidden sub-limits that gut your claim, clauses that break IRDAI law, and a settlement record they don't advertise. Every upload becomes a full report like the one below.

!
Hidden sub-limitsCaps that quietly shrink your whole claim
§
Illegal clausesWaiting periods longer than IRDAI allows
%
Settlement riskYour insurer's real claim record
www.findecode.app/report
Decode complete · 38 pages analysed

Arogya Family Floater Comprehensive

Health insurance · family floater · Decoded against IRDAI Master Circular (May 2024) & market benchmarks

Insurer
Arogya Health Insurance
Sum Insured
₹5 Lakh
Issues Found
6
Report Date
04 Aug 2026
0
out of 100
Below Average
Below Average
6 findings · vs the India standard
3 Critical
2 Moderate
1 Info

The verdict

A 1% room-rent cap and a 20% co-pay can quietly shrink this ₹5 lakh cover to barely ₹2 lakh of real protection.
3 Critical
2 Moderate
1 Info
Executive summary · the 30-second read
43
Scores 43/100 — Below Average against the India standard for health insurance.
1
A critical clause that quietly shrinks your real cover
2
A clause that may not comply with IRDAI rules
3
A cost that applies to every single claim
4
A sub-limit capped below real-world cost
₹
Worst realistic case, ₹2,40,000 of one claim lands on you — the exact scenario is worked out below.
☰
5 things covered · 4 capped · 4 excluded — mapped item by item in the coverage map.
In this report
⚠ Your real exposure · worst realistic case
On a ₹4,00,000 hospitalization, choosing a ₹10,000/day Tier-1 private room (above your ₹5,000 cap) halves the eligible bill via proportionate deduction, and a 20% co-pay is then applied on what remains. The insurer pays ₹1,60,000; you cover ₹2,40,000.
₹2,40,000
OUT OF POCKET · ON A ₹5 Lakh COVER
How you compare

Your policy vs the India standard

● ideal · ▲ your policy · tap any row for detail.

Room Rent LimitUnlocks with your full report.
•••
Unlocks with your full report.
Co-PaymentUnlocks with your full report.
•••
Unlocks with your full report.
Pre-Existing Disease WaitUnlocks with your full report.
•••
Unlocks with your full report.
No-Claim BonusUnlocks with your full report.
•••
Unlocks with your full report.
Restoration BenefitUnlocks with your full report.
•••
Unlocks with your full report.
Strong policies
Acceptable
Concerning
Your policy
Future outlook

Will this cover keep up with you?

At ~14% medical inflation, a serious hospitalization costing ~₹8.0 L today rises fast; a flat sum insured doesn't. Illustrative.

Today
₹8.0 L
est. major-claim cost
Exceeds your ₹5 Lakh cover
In 5 years
₹15.4 L
est. major-claim cost
Exceeds your ₹5 Lakh cover
In 10 years
₹29.7 L
est. major-claim cost
Exceeds your ₹5 Lakh cover

A single major hospitalization could already exceed this cover today.

How this report was built

Not a summary — a structured decode

Run through a purpose-built India health-insurance engine, not a generic chatbot. It checks against:

✓
IRDAI Master Circular 2024
Every clause checked against the binding regulation
✓
40+ clause-level checks
Sub-limits, co-pays, waiting periods, exclusions
✓
Proportionate-deduction math
Models real Tier-1 hospital costs vs your caps
✓
Market benchmark dataset
What strong policies actually offer, per dimension
✓
Claim-settlement data
Your insurer's track record, with caveats
✓
Plain-English translation
Every clause decoded for a non-expert
The flaws, ranked by what they cost you

6 findings

#1criticalCritical finding
A critical clause that quietly shrinks your real cover
Unlocks with your full report.
Your policy
•••
A strong policy
•••
?
Smart move: “Unlocks with your full report.”
#2criticalCritical finding
A clause that may not comply with IRDAI rules
Unlocks with your full report.
Your policy
•••
A strong policy
•••
?
Smart move: “Unlocks with your full report.”
#3criticalCritical finding
A cost that applies to every single claim
Unlocks with your full report.
Your policy
•••
A strong policy
•••
?
Smart move: “Unlocks with your full report.”
#4moderateModerate finding
A sub-limit capped below real-world cost
Unlocks with your full report.
Your policy
•••
A strong policy
•••
?
Smart move: “Unlocks with your full report.”
Coverage map

What's covered, capped, and excluded

Covered
  • •••••••••••
  • •••••••••
  • ••••••••••
  • •••••••
  • ••••••••
Capped / sub-limited
  • ••••••••••
  • •••••••
  • ••••••••••
  • •••••••
Excluded
  • ••••••••••
  • ••••••••
  • •••••••••
  • ••••••••••
What's missing

Benefits strong policies include that yours doesn't

!
A benefit strong plans includeUnlocks with your full report.
!
A benefit strong plans includeUnlocks with your full report.
!
A benefit strong plans includeUnlocks with your full report.
!
A benefit strong plans includeUnlocks with your full report.
✓
This analysis is unbiased. FinDecode has no insurance to sell and earns nothing from your choice. We just decode what you have.

This is a sample FinDecode report shown for illustration only. Your report is generated entirely from your own uploaded policy. Educational information, not financial advice.

Your insurance company has read this policythousands of times.

You haven't.

They wrote the fine print to win. One 60-second scan puts you on the other side of the table, so you know exactly what to question, refuse, and renegotiate before you pay a rupee.

Analyse my policySee sample report →

Free preview in ~60 seconds · No sign-up · PDF auto-deleted

How it works

Upload. Decode. Decide.

Step 01 · Upload
Drop your PDF
Health, term, motor, or travel insurance. Quote, policy, or renewal notice. Up to 10 MB. No account needed. Encrypted in transit with bank-grade TLS.
Step 02 · Decode
Our AI reads every clause
Every line checked against the IRDAI Master Circular, insurer-specific patterns, and three years of claim settlement data. Sixty seconds, end to end.
Step 03 · Decide
Plain-English findings
Red, yellow, and green flags. The rupees at stake on each one. The exact questions to raise with your insurer. And your full report, downloadable as a PDF and emailed to you.

What people say after decoding

Real ratings from people who ran their own policy through FinDecode.

★★★★★
Caught a room rent cap I had no idea was there. Fixed it before I renewed.
★★★★★
My agent never explained my co-pay or the waiting periods. This did, in plain English.
★★★★★
Found an exclusion on my parents' policy we would only have hit at claim time. So glad I checked.
★★★★★
Ten minutes and I finally knew what I had actually bought.
★★★★★
The list of questions to ask my insurer was worth it on its own.
★★★★★
Way better than pasting it into ChatGPT. It knows the actual IRDAI rules.

FAQ

Your questions, answered.

How is this different from asking ChatGPT? +
ChatGPT can quote clauses that aren't in your policy and doesn't know IRDAI rules or your insurer's claim record. We locate every figure in your own document, score on official IRDAI data, and refund you if we're wrong.
What if the analysis is wrong? +
Every quote is checked against your PDF before you see it, and the engine was tested against hand-verified answer keys before launch. If we still get a fact about your policy wrong, you get a full refund.
Is my policy document safe? +
It's uploaded over an encrypted connection, never sold or shared, and deleted within a day, as soon as your full report is generated. No account required, and we never train AI models on your documents.
Which policies does this work on? +
Health, motor, life, and travel today: any policy issued in India by an IRDAI-registered insurer. Other document types are coming.
Is this legal or financial advice? +
No. It's an analysis tool to help you understand your policy and ask better questions before you sign or renew. For disputes, contact a lawyer or the Insurance Ombudsman. Not legal or financial advice.
Do I need to create an account? +
No. Upload, scan, done.
Do I get a copy of the report? +
Yes. Your full report downloads as a PDF instantly, and we also email it to you, so you always have your own copy to keep, re-read, or share. (Your family pack code is in that email too.)