90% of Indian health policies have 'Hidden Leaks' that slash your claim by 40% or more. We find them before the hospital does. 100% Unbiased. 0% Agent Commissions.
Your policy caps room rent, but hospitals link surgery costs to your room type. Choosing a 'better' room can double your entire bill—leaving you to pay the difference.
Gloves, masks, and syringes can form 15-20% of your bill. Most 'Standard' policies exclude these entirely. We identify policies that cover the 'non-payables'.
Agents often hide your minor ailments to get the policy issued quickly. At claim time, insurers use this 'non-disclosure' to reject your claim 100% legally.
Upload your current policy PDF. Our AI engine identifies the 'standard' traps hidden in fine print within seconds.
A dedicated expert reviews your medical history against policy wordings to ensure 100% legal compliance for future claims.
Get a detailed PDF score highlighting high-risk clauses and actionable steps to fix your coverage before an emergency strikes.
Senior citizen claims are the most scrutinized by insurers. Our Parental Shield package ensures their golden years remain worry-free.
Double-checking Pre-Existing Disease declarations to prevent 'non-disclosure' rejections.
Clarifying the cooling-off period for specific ailments like cataract or joint replacement.
Pre-authorization guidance to ensure cashless approval within 2 hours of hospitalization.
| Feature | Typical Agent | HealthyMe |
|---|---|---|
| Who pays them? | Insurance Company (Commission) | You (Flat Advisory Fee) |
| The Goal? | Sell the Policy | Ensure Claim Approval |
| Bias? | High (Pushes high-payout plans) | None (Objective Data) |
| Legal Knowledge? | Surface-level Sales Pitch | Deep Audit of IRDAI Clause Logic |
Get your 20-point risk score in under 5 minutes. No spam, no calls from agents.