Based on IRDAI Annual Report 2024–25

₹11,412 crore in health claims
were rejected last year.
Is your policy next?

8% of all health insurance claims in India are repudiated — not because people lied, but because they didn't understand their policy. PolicyDr reads yours and tells you exactly what's missing, before you need to claim.

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IRDAI standard terms
All major insurers
Results in 60 seconds
🔴 3 critical gaps found
✅ Ambulance: Covered
Gap Analysis Report
Health Insurance · Star Health
48% covered
Inpatient hospitalisation
Covered
Ambulance charges
Covered
Room rent — 1% cap ⚠
Check
Co-payment — 10%
Check
OPD cover
Missing
Restore benefit
Missing
Maternity cover
Missing
Top recommendations
Remove room rent cap — reduces entire claim proportionately
Add OPD cover at renewal — saves ₹8,000–₹15,000/year
Add restore benefit — critical for family floater plans
₹11,412 cr in health claims repudiated in 2024-25  ·
8% of health claims outright rejected by insurers  ·
58 crore lives insured — only 10.3% under individual policies  ·
5% of claims still pending as of March 2025  ·
2,57,790 insurance grievances filed in a single year  ·
₹199 to know exactly where you stand  ·
₹11,412 cr in health claims repudiated in 2024-25  ·
8% of health claims outright rejected by insurers  ·
58 crore lives insured — only 10.3% under individual policies  ·
5% of claims still pending as of March 2025  ·
2,57,790 insurance grievances filed in a single year  ·
₹199 to know exactly where you stand  ·

Straight from the IRDAI Annual Report 2024–25

The regulator's own numbers tell the story.

₹11,412 cr
worth of health insurance claims were outright repudiated in 2024-25. That's money policyholders paid premiums for — and never got back.
IRDAI Annual Report 2024–25, Table I.29
8%
of all health claims are repudiated. Another 14% are disallowed under policy conditions most customers never read or understood at the time of purchase.
IRDAI Annual Report 2024–25, Para I.6.5.6
2,57,790
insurance grievances were formally filed in 2024-25. Each one represents a policyholder who felt cheated enough to complain to the regulator.
IRDAI Annual Report 2024–25, Table II.15
₹199
is all it costs to get a complete gap analysis of your policy — and the exact language to use with your insurer at renewal to fix what's missing.
PolicyDr.com — one-time, no subscription

How it works

Three steps.
Under three minutes.

01
Pick your policy type
Health, life, auto, or general. Our engine is calibrated to IRDAI standards for each category — not a generic checklist.
02
Upload the PDF
The digital PDF your insurer emailed you. Text-based only — which is what every insurer sends. No scanned documents, no photos of paper.
03
Get your gap report
Every clause checked. Green, amber, red. Specific recommendations you can take to your insurer or broker at renewal. Plain English throughout.

Gaps we find every day

The fine print that costs Indian families lakhs

These aren't edge cases. They're the norm. And they're all findable in your policy document — if you know what to look for.

Very common · Health
The Room Rent Trap
Your policy caps room rent at 1% of sum insured. You take a slightly better room. The insurer now applies a proportionate deduction to every single line item — surgeon fees, medicines, ICU charges — not just the room. Most policyholders discover this at discharge.
Typical extra out-of-pocket: ₹1.5L – ₹3L
Very common · Health
The Co-pay Clause Nobody Reads
Page 18. Clause 4.2(b). "A co-payment of 10% shall be borne by the insured for treatment at non-network hospitals." Your preferred hospital isn't on their list. Your ₹8L bill just became ₹80,000 out of your pocket before the insurer steps in.
Typical extra out-of-pocket: ₹40,000 – ₹2L
Often missed · Health
No Restore Benefit on a Family Floater
Both parents on the same ₹10L floater. Father's cancer treatment exhausts the sum insured by March. Mother has a cardiac episode in September. No restoration clause means zero coverage for the second claim. The cupboard is empty.
Exposure: entire sum insured wiped out
Often missed · Auto
No Zero Depreciation Cover
Your 3-year-old car is hit. Workshop estimate: ₹90,000. Standard policy applies depreciation — 40% on plastic, 30% on fibreglass. Insurer pays ₹51,000. The ₹39,000 gap is entirely yours. The zero dep add-on costs ₹2,000 extra at renewal.
Typical shortfall: 35–55% of repair bill

Pricing

Less than a hospital canteen coffee.

A one-time payment. No account needed. No subscription. No upsell. You upload your policy, you get your report, you keep it forever.

☕
Hospital canteen coffee — ₹80
🅿️
Two hours hospital parking — ₹120
💊
One day's medicines — ₹300–800
📋
Full policy gap analysis — ₹199
₹199 once
Per policy. Pay once, keep forever.
  • IRDAI clause-by-clause analysis
  • Green / amber / red coverage scoring
  • Specific renewal recommendations
  • Health, life, auto & general insurance
  • Instant results — no waiting, no calls
  • Works with all IRDAI-regulated insurers
Analyse my policy now
PDF deleted from our servers immediately after analysis

Straight answers to the questions you have

What kind of PDF do I need?
+
The digital PDF your insurer emailed when you bought or renewed. It's text-based — you can select and copy text from it in your PDF viewer. Scanned documents (photos of paper) don't work, and we tell you upfront. Every major Indian insurer now sends digital PDFs.
Is my document safe?
+
Your PDF is uploaded over an encrypted connection, analysed instantly on our server, and deleted immediately after. We don't store your document, policy number, or any personal information from the file.
Which insurers does it work with?
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Any IRDAI-regulated insurer — Star Health, Niva Bupa, HDFC Ergo, Care Health, New India, United India, ICICI Lombard, Bajaj Allianz, Tata AIG, and all others. The analysis is based on IRDAI standard terms, not proprietary insurer systems.
Can I use this before buying a policy?
+
Yes — this is actually the ideal time. If your insurer has sent a proposal document or specimen policy PDF, upload that. You'll know exactly what to ask them to change before you sign anything.
How is this different from asking my agent?
+
Your agent has an incentive to sell you something new. PolicyDr analyses what you already have, identifies the specific gaps, and gives you the language to negotiate with your existing insurer. We have no product to sell you.
What if my report shows many red items?
+
That's exactly why you're here — better to know now than at claim time. Each red item comes with a specific recommendation. Take those to your insurer or broker at renewal. Most gaps can be fixed for a modest premium increase.