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 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.
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.
- 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.