Your Health Insurance,
Simplified
68% of claim rejections happen because policyholders didn't understand their coverage. PolicyAI reads every page of your policy — including the hidden traps — so you don't have to.
Powered by real policy documents from 10 major Indian insurers
AI Parsing Uploaded Policy
Extracting clauses & risk entities
⚠ Waiting Period Detected
24-month restriction identified
Room Rent Cap Analysis
Checking proportional deductions
Claim Rejection Risk Model
Probability computation in progress
Co-pay Clause Identified
User liability calculated
Simulation Preview Ready
Estimated payout breakdown generated
AI Parsing Uploaded Policy
Extracting clauses & risk entities
⚠ Waiting Period Detected
24-month restriction identified
Room Rent Cap Analysis
Checking proportional deductions
Claim Rejection Risk Model
Probability computation in progress
Co-pay Clause Identified
User liability calculated
Simulation Preview Ready
Estimated payout breakdown generated
3-Layer Hybrid RAG Pipeline
Every question triggers a multi-layer retrieval process that cross-references definitions, exclusions, and conditions — catching traps a single search would miss.
Semantic + Keyword Fusion
pgvector cosine similarity + tsvector BM25 keyword search merged via Reciprocal Rank Fusion (k=60)
Definition Cross-Reference
Section-filtered semantic search over definitions to catch narrow term interpretations
Exclusion & Condition Scan
Targeted search across exclusions, conditions, limits, and waiting period sections
Full Insurance Lifecycle Coverage
From finding the right policy to filing a successful claim — every step powered by AI.
8 Hidden Trap Types We Detect
These are the real reasons claims get rejected. PolicyAI checks for every one of them in your policy.
Room Rent Trap
Room rent cap causes ALL charges to be proportionally reduced
Pre-Auth Required
Missing pre-authorization → entire claim denied
Proportional Deduction
Sub-limit breach cuts your entire bill proportionally
Definition Trap
Key terms defined narrowly (e.g. 'Hospitalization' = 24+ hrs only)
Waiting Period
Specific illness or PED waiting period still applies
Sub-Limit Cap
Hidden cap on specific treatments within broad coverage
Documentation
Non-obvious or time-sensitive document requirements
Network Restriction
Non-network hospital means co-pay or full exclusion
Understand Your Policy Before You Need It
Upload your policy PDF and start asking questions. Get cited answers with hidden trap detection in seconds.