The Personal Protection Suite
Five Essential Services. One Membership.
Policy Clarity & Decode
Your 50-plus page policy, translated into a concise plain-English summary. Sub-limits, exclusions, waiting periods and room rent caps are mapped for you so there are no surprises later.
What you receive
- Full policy decode within 24 hours of subscribing
- Plain-language summary of exclusions and sub-limits
- Room rent guidance for the hospitals you are likely to use
- Disease and treatment-specific deductible flags
Pre-Submission Claim Audit
Before your claim reaches the TPA, our specialists run a 15-point compliance check on every document — discharge summary, prescriptions, investigation reports, hospital bills, claim form, indoor case papers, pharmacy invoices, intimation letters and more.
What we catch
- Missing or unsigned documents
- Discrepancies in dates, names and hospital details
- Diagnosis-treatment-prescription mismatches
- Incorrect claim-form fields or intimation timelines
Hospital Bill Verification
We review hospital bills line by line against IRDAI non-payable lists and the hospital's own tariff — so inflated charges, duplicate items and wrongly billed consumables do not pass through unchallenged.
Common items we flag
- Non-payable consumables — gloves, masks, syringes, gauze
- Registration, admission and documentation charges
- Attendant, food, telephone, television, toiletries
- Incorrect GST and duplicate line items
- Room category inconsistent with admission type
Digital Document Vault
A private, encrypted vault for your policy, KYC, hospital bills, prescriptions, discharge summaries, lab reports and past claim records. Accessible 24/7, shareable with family and retrievable in seconds during an emergency.
- Encrypted 24/7 Access
- Emergency Retrievability
- Family Sharing Enabled
- Zero-Loss Storage
Special Support for Senior Citizens
Phone-based walkthroughs in English, Hindi and major regional languages. Doorstep document collection in major cities. Direct coordination with hospital TPA desks on behalf of the family.
- Unlimited audits & Personalised decode
- Senior-friendly phone support
- Regional language assistance
- Priority rejection defence
Full Reimbursement
Support
If a claim is rejected, our team performs a full rejection analysis, prepares the rectification dossier, drafts representations and resubmits — escalating to the grievance officer or IRDAI Ombudsman where needed.
Rejection & Delay Handling
Charged only on recovered amounts — 20% of the recovered claim, plus GST. No recovery, no fee.
Your Shield Against
Policy Mis-selling
Pure advisory. Zero commissions. Total transparency.
Existing Policy Audit
We review your current policy document in full and deliver a written report of every coverage gap, hidden clause, sub-limit, exclusion, and co-payment that your agent may not have disclosed.
Mis-selling & IRDAI Complaint
If a clear mis-selling case exists, we help you file a formal complaint with IRDAI and seek policy amendment or full refund under the free-look period extension provisions.
New Policy Selection Guidance
We shortlist the 3 best-fit health insurance policies for your specific situation — age, city, family history, budget, and insurer CSR (Claim Settlement Ratio). No agent commissions. Pure advisory.
Policy Upgrade — Zero Waiting Period Re-entry
We guide you through IRDAI-regulated portability rules to switch to a better insurer without losing pre-existing disease coverage credits or entering fresh waiting periods.
Future-Proof Coverage Blueprint
We create a personalised insurance roadmap for your family — current coverage, recommended additions (super top-up, critical illness, OPD rider), and a 5-year upgrade plan.