Aapki insurance policy mein kya chhupa hai?
Hum kisi bhi Indian insurance policy ka honest assessment karte hain — plain language mein. Hidden clauses, trust score, aur sach — bilkul free.
Koi spam nahi. Sirf real policy assessments.
Agent sirf commission ke liye bechta hai.
PolicyLense sirf aapke liye.
80%
Indian policyholders ne kabhi apni policy ka full document nahi padha
45%
Health insurance claims partially ya fully reject hote hain — mostly hidden sub-limits ki wajah se
₹0
Commission hum lete hain — hum koi policy nahi bechte, sirf assess karte hain
Kaise kaam karta hai?
Policy Batao
Policy ka naam ya UIN share karo — ya sirf hume follow karo, hum khud choose karte hain.
AI + Human Assessment
Hum policy document padh ke har clause assess karte hain — aur plain language mein likhte hain.
Trust Score + Report
Aapko milega ek honest report — kya acha hai, kya kharab, aur kaun si policy aapke liye sahi hai.
Ek real assessment dekho
Ye ek sample hai. Full version waitlist members ko milti hai.
7.2
Trust Score / 10
HDFC ERGO Optima Restore
UIN: HDFHLIP20093V011920
Ek solid health plan — lekin room rent capping aur sub-limits ki wajah se claim mein surprise aa sakta hai.
✅ Restore Benefit — free mein
Agar aapne ek claim mein puri sum assured use kar li, toh policy same year mein use ki hui amount restore kar deti hai — bilkul free. Ye ek genuinely useful feature hai jo bahut kam policies mein hota hai.
Section 3.1 — Restore Benefit
🚩 Room rent capping: 1% per day
Agar aapki sum assured ₹5 lakh hai, toh aapko sirf ₹5,000/day ka hospital room milega. Delhi ya Mumbai mein ek standard private room ₹8,000–15,000/day ka aata hai. Difference aapko apni jeb se bharna padega — aur ye sirf room ka nahi, proportional deduction puri bill pe hogi.
Section 2.1 — Room, Boarding and Nursing Expenses
🚩 Pre-existing diseases: 3 saal ka wait
Koi bhi bimari jo aapko policy lene se pehle thi — diabetes, BP, thyroid — uske liye 3 saal wait karna padega. Ye industry standard hai, lekin aware rehna zaroori hai.
Section 4.1 — Waiting Period
+3 aur findings locked hain
Full assessment + Trust Score breakdown ke liye waitlist join karo
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