Let's check your policy
↑ Tick both boxes to upload your policy or enter details.
Your policy never leaves your device. It's cleared after you download your report or close the page.
Your policy details
Fill in what you know.
Your policy, decoded in three steps
- Upload your policyThe PDF from your insurer's app or email. No PDF? Answer a few questions instead.
- We check 25+ pointsRoom rent caps, co-pay, waiting periods, zone rules, riders and cover amount, against IRDAI rules.
- Get your health cardA score, every gap in plain words, a real example of what it costs, and what to do at claim time.
The clauses that decide your claim
The fine print that insurers rely on when they cut or reject a claim.
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
It's read by code running in your own browser, never uploaded to our servers and never shared with insurers or agents. When you download your report or close the page, it's gone.
One report. One simple price.
No subscription, no sales calls. We don't sell insurance or take commission, so the report only works for you.
- 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 people ask
Is this insurance advice?
No. CheckMyPolicy 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.
Your policy health card
Your report is ready
We've checked your policy against 25+ points. Pay once by UPI to see it.
- Your score and every gap we found
- Real-life examples of what each gap costs
- What to do at claim time
- A report you can download
How much cover does your family really need?
Tell us about your family and money. We'll size your health and term cover using the methods India's leading insurance advisors use, and show every step.
About you
Example values are filled in. Change them to see your own numbers.
Your cover meter
Health insurance
Term insurance
What to buy
How we worked out health cover
How we worked out term cover