Insurance Policy Analyzer
Upload your insurance policy and get every clause, exclusion, and premium breakdown explained in plain language. Free, private, no signup.
Reviewed by the PDF Pro AI team · Last updated August 2026 · Covers health, term life, and motor insurance policies as sold in India
Why insurance policies are hard to read
Most Indian insurance policies run 20-40 pages of dense legal and actuarial language. The information that actually matters to you — what's covered, what's excluded, how much you'll actually get paid in a claim — is often buried across multiple sections that don't reference each other clearly.
This tool reads the full policy document and surfaces the answers to the questions that matter most: What's my actual sum insured? What's excluded? How long is my waiting period? What could get my claim rejected?
Your insurance policy is private. All analysis happens locally in your browser — files are never uploaded.
What We Check
Sum insured vs. coverage
What you're actually covered for, not just the headline number.
Waiting periods
When your coverage actually kicks in.
Exclusions
What's explicitly NOT covered.
Claim rejection risks
Common reasons policies get denied.
Premium breakdown
Where your premium money actually goes.
Motor IDV
For vehicle insurance, your Insured Declared Value explained.
Health Insurance Exclusions
Confused about what your health policy doesn't cover? Understand common exclusions before you need to file a claim.
Term Insurance vs Endowment Plan
Not sure what type of life insurance you hold? Understand the difference between term and endowment plans.
Why Insurance Claims Get Rejected
Worried your claim might be denied? Here are the most common reasons insurers reject claims — and how to avoid them.
Insurance Waiting Period Explained
Understand what a waiting period is, how long it lasts, and which conditions it applies to in your policy.
Insurance Premium Breakdown
Upload your policy to see exactly how your premium is calculated and what it covers. Free, instant breakdown.
Sum Insured vs Coverage Amount
Confused between sum insured and actual coverage? Here's a clear explanation of what each term means.
Motor Insurance IDV Explained
Understand your car or bike insurance's Insured Declared Value (IDV) and how it affects your claim amount.
Cashless Claims & Network Hospitals
Understand how cashless health insurance claims work and what to check before choosing a network hospital.
Health Insurance Claim Checker
Upload your policy and claim details to check for common rejection red flags before you file.
Policy Renewal Comparator
Upload your old and new policy documents to instantly see what changed — premium, coverage, exclusions.
Frequently Asked Questions
Is this a substitute for reading my full policy?
No — it's a fast way to understand the key terms, but always keep your full policy document for reference, especially at claim time.
Does this work for all insurance types?
Currently optimized for health, term life, and motor insurance policies sold in India.
Is my policy document stored anywhere?
No — processed entirely in your browser, nothing is uploaded or retained.