Got a health insurance policy? Great!
Is your health policy good enough? Let’s find out.
Find gaps in your policy with Policy analyser.
Every insurer structures health insurance policies differently, which can make these policies difficult to decode. We built the Policy Analyser to demystify health insurance policies and make it easy for you to understand what your policy actually covers, as well as what it doesn't. If you have an existing health insurance policy from any insurer in India, you can upload your document and get a clear, unbiased analysis of your policy.
Got a health insurance policy? Great!
Is your health policy good enough? Let’s find out.
Find gaps in your policy with Policy analyser.
Every policy may look good on paper, but the fine print is crucial. This tool helps you uncover hidden gaps and understand if your policy will truly support you at the time of hospitalisation. Here’s how the Policy Analyser tool works:
No bias, the tool highlights gaps honestly, providing an unbiased assessment of your policy
You can analyse individual, family floater, and critical illness policies
Lets you compare your current cover with what you may actually need
Many people buy health insurance thinking they’re fully covered. But when the time comes, hidden limits and exclusions can leave you unprotected. With the Policy Analyser, you can:
| Feature | What It Means for You |
| Understand your coverage limits | Break down tricky terms like room rent caps, sub-limits, and waiting periods so you know exactly what’s covered. |
| Spot hidden exclusions | Identify clauses that could lead to claim rejections, such as missing inclusions or restrictions on specific treatments. |
| Check your sum insured | See if your current cover (₹5L, ₹10L, etc.) is sufficient for today’s hospitalisation costs in your city. |
| Get personalised suggestions | Receive tailored recommendations on how to upgrade or adjust your policy to better protect your family. |
Simple. Quick. Free. Useful
Your results are divided into 3 simple buckets so you instantly know what’s essential, what adds extra protection, and what’s a bonus.
These are the foundation of any good health insurance.
These features reduce surprises and make your policy more flexible.
These aren’t essentials, but give added comfort and convenience.
With this breakdown, you’ll know if your policy covers the must-haves, offers the good-to-haves, and sprinkles in the nice-to-haves, helping you decide whether to keep, upgrade, or switch your plan.
Once you get your personalised report, you’ll have clear options to act on.
If your current policy isn’t enough, you’ll know exactly what to add, higher sum insured, critical illness cover, or shorter waiting periods.
Your score indicates how well your current plan protects you and what steps to take next.
Your policy may have hidden limits, long waiting periods, or missing essential covers. Consider exploring better plans that fill these gaps or switching to stronger coverage.
Your policy covers the basics but could offer stronger protection. Consider upgrading key features, such as a higher sum insured, shorter waiting periods, or adding critical illness cover.
Your policy already offers excellent protection. You're well-covered and can feel confident about your plan.
You should ideally opt for a health insurance policy that consistently scores 95+.
Already have a policy elsewhere? You can port your existing plan to ACKO in just a few easy steps and upgrade to better coverage without starting from scratch.
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Reviewed by Dr. Harshita Dahiya 
Acko Technology & Services Private Limited
#36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102
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