Know exactly what you're really covered for.
Upload any health, term life, motor, home, or travel insurance policy. Our AI reads every clause, exclusion, and waiting period in under 90 seconds — and BHAI, your AI insurance elder brother, explains it in plain English or Hinglish before you buy, renew, or claim.
Insurance policies are written to be skimmed past. We built PolicyJaano so you never have to.
Total clarity, zero jargon
Every clause, sub-limit, and exclusion explained in plain English or Hinglish — with the exact page and clause number, so you can verify it yourself.
Risky clauses, flagged loudly
We don't bury the fine print that could cost you a claim. Negative clauses are ranked by real financial impact, not alphabetical order.
Ask BHAI anything
Your AI insurance elder brother answers questions about your specific policy — in English or Hinglish — and always cites the clause it's referencing.
Built for trust, not sales
We never push a policy on you. No hidden commissions shown, no pressure tactics — just a clear-eyed read of what you're signing.
Three steps between you and actually understanding your policy
Upload or select your policy
Drag in your policy PDF or a photo of it — or just search for your insurer and product if you haven't received the document yet. Max 25MB, PDF/JPG/PNG.
AI reads every clause, in ~90 seconds
We extract exclusions, waiting periods, sub-limits, co-pay, room rent caps, and benefits — then score your policy 0-100 on how policyholder-friendly it really is.
Get clarity, ask BHAI follow-ups
See your top risks and benefits at a glance, in plain English or Hinglish. Still unsure about something? Ask BHAI directly — it cites the exact clause every time.
This is what clarity looks like
A real analysis output shape, using sample data from a health policy — this is exactly what you'll see for your own policy after upload.
This policy has solid hospitalization coverage but several restrictive clauses around age-based co-pay and room rent that could significantly reduce your payout during a claim.
Top risks
Room rent capped at ₹5,000/day
Sec 4.2, Pg 11
24-month waiting period on knee/joint surgery
Sec 5.1, Pg 14
20% co-pay for treatment after age 60
Sec 6.3, Pg 16
Top benefits
No sub-limit on ICU room charges
Sec 4.4, Pg 12
100% no-claim bonus, up to 50% of sum insured
Sec 8.1, Pg 19
AYUSH treatments covered at par with allopathy
Sec 7.2, Pg 17
What our soft-launch cohort is telling us
"I found out my family floater had a 20% co-pay after 60 that I never noticed in three years of renewing it blindly."
Placeholder — early cohort feedback
Health insurance, Mumbai
"BHAI answered in Hinglish exactly the way I'd ask a knowledgeable cousin — no jargon, just what actually matters."
Placeholder — early cohort feedback
Term insurance, Bengaluru
"Uploaded my motor policy before renewal and realized the add-on cover I was paying for barely did anything."
Placeholder — early cohort feedback
Motor insurance, Ahmedabad
Questions, answered
Yes — completely free during our launch phase. No subscription, no credit card, no hidden paywall on any analysis or BHAI chat.
Stop guessing what your policy actually covers.
Free, private, and ready in under 90 seconds. Upload your policy and know exactly where you stand.