Three steps. Under 60 seconds. A report that tells you exactly where your policy falls short — before you need to claim.
Download your policy document from your insurer's portal or your email. Upload the PDF here — health or car insurance. The file is processed securely and deleted immediately after analysis. No human ever reads your document.
PolicyDr checks your document against 60+ IRDAI-standard terms — from inpatient hospitalisation and room rent caps to consumables cover, NCB protection, and zone-based co-payments. Every term is checked against our master terms database built from real policy wordings.
Your PDF report is emailed to you instantly. Every term is colour-coded — Green (covered), Amber (check the limits), Red (missing). The report includes specific rupee amounts from your policy, plain-English explanations, and actionable renewal recommendations you can take directly to your insurer or broker.
Renewal is your only window to negotiate. Take the red items in your report to your insurer and ask them to add or clarify coverage. Most gaps can be fixed with low-cost add-ons.
Buying new insurance? Do not buy the first policy you are shown. Request proposals from at least 3 insurers, upload each one here, and compare the gap scores side by side. The policy with the fewest red items — not the lowest premium — is the one worth buying.
Upload your policy PDF and get your gap analysis report in under 60 seconds.
Analyse My Policy — ₹199