Already have health insurance or buying now?
Know what your policy covers and what it actually pays at claim time.
Plain-English explanations of insurance policy documents
Most people discover gaps during a medical emergency. We audit your policy for hidden caps, waiting periods, and room-rent limits in 12-24 hours. No selling. No commissions.
Industry Context
43% of Indian policyholders faced serious claim difficulties in the last 3 years.
Source: LocalCircles Survey 2024
12.9% of total health insurance claim amounts were disallowed in FY 2023–24.
Source: IRDAI Annual Report via The Economic Times
In most cases, the problem isn’t rejection—it’s hidden limits buried in the policy wording. We identify these risks before they cost you at claim time.
What’s the point of insurance if you can’t claim it?
Palki Sharma breaks down why claim disputes are rising—and how hidden limits inside policies are the real reason many payouts fall short.
What you get from the report?
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Hidden costs that increase out-of-pocket spend (co-pay, deductibles, room-rent caps, non-payables)
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Claim restrictions (waiting periods, sub-limits, PED definitions, exclusions, special conditions)
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Renewal/portability details that affect benefits and timelines
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A “question bank” to ask your insurer/agent in writing
We don’t sell insurance. We don’t earn commissions. This is informational analysis only. Delivery: 12–24 hours | Price: INR 999
“Hidden Reality” – The Problem
The sales pitch highlights the benefits. The fine print details the costs.
A “low premium” promise can still come with caps, exclusions, and rules that change what you actually receive during a claim.
The three issues we see again and again.
01.
Costs beyond the headline premium:
Co-pays, deductibles, room-rent caps, and “non-payable items” that can increase your out-of-pocket cost even when a claim is approved.
02.
Traps when switching or renewing:
Portability rules, breaks in coverage, waiting-period carryover limits, and renewal terms (premium hikes, NCB/reload conditions) that can reduce benefits if you change plans or miss timelines.
03.
Limits on claim payouts:
Waiting periods, sub-limits, exclusions (including PED/disease-specific), and special conditions that restrict what gets paid and when you can successfully claim.
Most people discover policy limits during a medical emergency—when it’s too late to switch or plan. PolicyTruth helps you understand your coverage now so you can make informed decisions at purchase time or renewal time.
What PolicyTruth Does
What PolicyTruth IS
✔ Independent, plain-English explanation of your policy document
✔ Highlights coverage, exclusions, limits, waiting periods
What PolicyTruth IS NOT
✖ A policy buyer or seller
✖ A claims handler or advisor
✖ A legal or financial recommendation
We read your policy the way a careful reviewer would: we pull out the clauses that affect payout, eligibility, and your real costs. You get a clear report—informational only—so you can verify with your insurer and decide your next steps.
3-Step Overview:
01.
Pay and Upload
Securely submit your PDF (Insurance policy).
02.
We review
A human reviewer (tech-assisted for speed) extracts the clauses, numbers, caps, and conditions that matter.
03.
You receive a report
A plain-English report on mail, plus a question list to clarify key points with your insurer/agent.
See a Sample Clause From the Report
What You’ll Receive
PolicyTruth extracts and explains policy clauses that materially affect claims and renewals.
Below is a small excerpt from a sample report so you can see the format and level of detail.
Clause: Restoration Benefit (Multiple Restoration)
Plain-English meaning: The policy provides multiple restorations of the Sum Insured in a policy year for all illnesses (related or unrelated), in addition to the base Sum Insured. This benefit is not applicable for the first claim.
Why this matters: Restoration benefits do not help with the first hospitalization. They apply only after the base Sum Insured is exhausted.
What to verify:
• Is restoration available for related illnesses as well?
• Is it applicable only after the first claim?
• Is restoration capped per policy year?
View the full sample report: https://www.policytruth.in/sample-reports
Sample shown for illustration only. Findings vary based on policy wording. PolicyTruth provides informational interpretation, not advice.
The Solution – “Your Fine-Print Committee”
What your report covers
1.
Costs you may actually pay
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Co-pay, deductibles, room-rent and ICU caps
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Non-payable items and deductions
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Hidden limits that change your final bill
2.
When claims get restricted
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Waiting periods (general + disease-specific)
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Sub-limits and special conditions
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Exclusions and PED definitions that drive claim outcomes
3.
Renewal and switching rules
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Renewal terms, benefit reductions, and common gotchas
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Portability rules and waiting period carry-forward
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Deadlines/timelines that can reduce benefits if missed
4.
PLUS
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Question Bank: A structured list of questions you can ask your agent or bank in writing to get clarity.
Who This Is Typically Used By
Perfect for
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Existing policyholders who want to know what their policy truly covers before a claim
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Buyers comparing policies sent by an agent/bank
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Families preparing for renewal and considering upgrades or switching
Not for
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Advice seekers: we don’t recommend policies or tell you to buy/cancel/switch
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Disputes: we don’t handle claims, litigation, or guarantee outcomes
When people find this useful
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ONLY MUCH BEFORE a medical emergency
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Before renewal decisions
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When policies were bought through agents
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When comparing 2–3 options
When it’s less useful
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If you already had a claim settled
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If you only want the cheapest premium
Services Snapshot
Clear, Fixed-Scope Products. No Vague Consulting.
Health Insurance Policy Document Review
Delivery: 12–24 hours | Price: INR 999
What this includes:
• Structured review of the policy document
• Plain-English explanation of key clauses
• Identification of coverage limits, exclusions, waiting periods, and claim-critical conditions
• A question list you can use with your insurer or TPA
Delivery: On Email
Note: Pricing is uniform for all users.
PolicyTruth provides document analysis and educational interpretation only. It does not offer personalised advice or recommendations.