I never guess. Every answer is quoted from your policy.

Hi, I'm Sarathi. Your AI guide. Show me a policy — one you have, or one you're considering — and I'll pull out exactly what it will, and won't, do for you. Quoted from the document itself.

See what a policy really covers — before you sign.

Upload a policy you have — or one you're considering — and in about a minute see the real exclusions, waiting periods, sub-limits and the clauses that frequently get claims rejected, quoted from the policy itself. Already had a claim rejected? I'll show you where you stand and how to fight it.

What brings you here?

Your policy

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What's happening?

When did this happen? (optional)

So we count your claim deadlines down to the day.

I'll automatically detect whether this is a health or motor policy — no need to choose.

Not an agent. We don't sell policies and take no commission.

About a minute English · हिंदी

What you'll get

Every exclusion, cap & waiting periodWhat the policy covers — and what it won't — in plain English. Save as PDF or share, account-free.
A clear claim verdictCovered, partial, or not — quoted from your own policy, never guessed.
What you'll actually get back newEnter your bill — see your real payout vs. the shortfall, each cut traced to a clause.
Your deadlines, counting down newThe windows that matter — intimation, documents, settlement — ticking live.
A ready-to-send claim messageDrafted for you from your situation — just fill in the blanks and send.
If you're denied, how to fight backThe escalation path: your insurer → IRDAI → Ombudsman, with the timelines.

Most policies look fine — until you claim. In India the real damage is quiet: health claims pay out just 71% of claim value (IRDAI 2023-24), and on a motor own-damage claim, parts like tyres and batteries are reimbursed at only ~50% (depreciation). The gaps hide in sub-limits, waiting periods and exclusions you never read.Scan a policy with ClaimSarathi before you commit lakhs over decades — and catch those traps first.

Health: only 71% of claim value paid — IRDAI 2023-24 · Motor: ~50% parts depreciation — India Motor Tariff GR.9

Not legal or financial advice. Verify with your insurer.

Insurance terms in plain English

Tap any term in your result to see this — or browse them all here. Plain-language meanings, not advice.

sub-limit: A cap on how much the insurer pays for one specific thing (for example ICU charges, or a named illness) — even when your overall cover is higher.
room-rent cap: A daily limit on the hospital room you can claim. Choose a costlier room and many linked charges may be scaled down in proportion.
proportionate deduction: When you take a room above your room-rent limit, the insurer cuts many other charges in the same proportion — so a small room upgrade can shrink the whole claim.
deductible: The part of a claim you pay yourself first, before the insurer pays the rest.
co-payment: A fixed share of every claim you agree to pay yourself — say 10% — with the insurer paying the rest.
waiting period: A set time you must hold the policy before certain claims become payable.
pre-existing disease: A condition you already had before buying the policy. It usually carries a waiting period — capped at 3 years for health policies. IRDAI Master Circular on Health Insurance, 2024
cashless: The insurer settles the hospital bill directly with a network hospital, so you don't pay the covered amount upfront.
reimbursement: You pay the hospital yourself, then claim the money back from the insurer with the bills.
sum insured: The maximum amount your policy will pay — usually within one policy year.
day-care procedure: A treatment that needs less than 24 hours in hospital (thanks to modern technology) but is still covered.
restoration benefit: If you use up your sum insured during the year, the insurer refills it so a later, unrelated claim can still be paid.
no-claim bonus: A reward for not claiming in a year — a discount on motor renewal, or a larger sum insured on health cover.
IDV: Insured Declared Value — your vehicle's current market value. It is the most a motor policy pays if the vehicle is stolen or a total loss.
depreciation: The drop in a part's value as it ages. On a motor own-damage claim, the insurer pays the depreciated value of replaced parts, not the full new price.
own damage: The part of motor cover that pays for damage to YOUR own vehicle (as opposed to damage you cause to others).
third-party: Cover for injury or damage you cause to other people or property. It is legally compulsory for every vehicle in India. Motor Vehicles Act 1988, §146
free-look period: A window after buying a new policy in which you can read it and cancel for a refund — 30 days for health policies. IRDAI Master Circular on Health Insurance, 2024
grace period: Extra days after your renewal due date to pay the premium without losing your policy's continuity benefits.
exclusion: Something the policy specifically does NOT cover. Exclusions are listed in your policy wording.
network hospital: A hospital tied up with your insurer where you can get cashless treatment.
pre-hospitalisation: Covered medical costs in the days just before admission and just after discharge — each within a set window stated in your policy.
surveyor: An independent person the insurer appoints to inspect and value the loss on a motor or general-insurance claim.
TPA: Third-Party Administrator — an agency that processes your health claims on the insurer's behalf (issuing cashless approvals, checking bills).
rider: An optional add-on you pay extra for, to widen what your base policy covers.
repudiation: The insurer's formal rejection of a claim. You can challenge it — your insurer's grievance cell, then IRDAI, then the Insurance Ombudsman.

Plain-language meaning — your policy's exact terms may differ; see your Key terms.