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

Your PDF is analysed, then deleted — we don't store it. Save a pack and we keep it encrypted, tied to your email, until you delete it.

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.

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Section 45: when a life insurance claim cannot be questioned (the 3-year rule)

Section 45 of the Insurance Act, 1938 is one of the strongest protections the law gives a life-insurance policyholder's family.

After 3 continuous years

Once a life policy has been in force for three continuous years, it cannot be called in question on ANY ground — not misstatement, not non-disclosure. A repudiation on those grounds cannot stand; other policy conditions, like the policy actually being in force, still apply.

Within the first 3 years

Inside that window, an insurer may question the policy only on the ground of fraud, and only with the grounds given to the claimant in writing.

Even fraud has limits

Section 45(3): an insurer cannot repudiate for fraud if the insured can show the statement was true to the best of their knowledge, or there was no deliberate intent to suppress, or the fact was already within the insurer's knowledge.

Source: Insurance Act 1938, §45 (substituted by the Insurance Laws (Amendment) Act 2015).

Frequently asked

Can a life insurance claim be rejected after 3 years?

Once the policy has been in force for three continuous years, Section 45 bars calling it in question on ANY ground — not misstatement, not non-disclosure — so a repudiation on those grounds cannot stand. Other policy conditions, like the policy actually being in force, still apply.

What can the insurer do within the first 3 years?

It may question the policy only on the ground of fraud, and only with the grounds given to the claimant in writing.

Does an allegation of fraud always defeat the claim?

No. Under Section 45(3) the insurer cannot repudiate for fraud if the insured can show the statement was true to the best of their knowledge, there was no deliberate intent to suppress, or the fact was already within the insurer's knowledge.

Insurance Act 1938, §45 (as substituted by the Insurance Laws (Amendment) Act 2015) · As of 2026-06-24