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KNOW THE TRUTH

Check
If Your Policy
Actually
Covers You

DON'T LET YOUR COVER FALL
SHORT ONLY AT THE HOSPITAL.

KNOW THE TRUTH

Hospital
Stay
Now Costs
₹3–10 Lakh.

YOUR OLD POLICY COVERS LESS
THAN HALF OF WHAT IT USED TO.

KNOW THE TRUTH

Get Your
Free
Report In
10 Seconds

NO DOCUMENTS. NO JARGON. JUST
A CLEAR ANSWER — ON WHATSAPP
INSTANTLY.

14%
Medical inflation/year
highest in Asia
₹30,000/day
Avg ICU cost/day,
private hospital
9 in 10
Has policy restrictions

Tell us about your policy. We'll tell you the truth

  • Self
  • Self + Spouse
  • Self + Spouse + Child
  • Self + Spouse + 2 Children
  • Self + Child
  • Self + 2 Children
  • Select Company
  • HDFC ERGO
  • ICICI Lombard
  • Niva Bupa
  • Star Health
  • Care Health
  • Aditya Birla Health
  • Select Plan
  • Optima Secure
  • Healthline Standard
  • ReAssure
  • Care Supreme
  • ₹3 Lakhs
  • ₹5 Lakhs
  • ₹7.5 Lakhs
  • ₹10 Lakhs
  • ₹15 Lakhs
  • ₹20 Lakhs
  • ₹25 Lakhs
  • ₹35 Lakhs
  • ₹50 Lakhs
  • ₹75 Lakhs
  • ₹1 Crore
  • January
  • February
  • March
  • April
  • May
  • June
  • July
  • August
  • September
  • October
  • November
  • December
₹
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Three steps.
One honest answer

No jargon. No pressure.
Just clarity on the policy you're already paying for.

SIMPLE. FAST. FREE.
STEP 1

Enter your policy details

Insurer, plan name, sum insured, premium and age. That's it.

SIMPLE. FAST. FREE.
STEP 2

We analyse it instantly

We benchmark your cover against IRDAI guidelines and 500+ market plans.

SIMPLE. FAST. FREE.
STEP 3

Get your report on WhatsApp

Your gap analysis and recommendations arrive in under 10 seconds.

A complete check for your policy.

Answers most people never get — until they need to use their policy.

We don't sell policies.
We tell the truth.

On which policy you pick. We analyse your existing policy first and only recommend switching if there's a real gap.

IRDAI

Framework based benchmarking

HUMAN ADVISORS

Not Bots

41+ INSURERS

With 2026 premium data

2,400+ POLICIES

Analysed and Counting

Real People. Real Findings.

2,400+ families already checked.

Here's what they found and what they did next.

Jay Sharma

38 years • Pune • Family of 4

"I thought my ₹5L floater was fine. Wasn't close. Switched to ₹25L with Star Health — and pay less now."

4 Star Rating

Neha Naryankar

44 years • Bengaluru

"The room-rent cap shocked me — I didn't know it could cut my entire claim, not just the room."

5 Star Rating

Ankit D

32 years · Mumbai

“My parents' policy had a hidden 20% co-pay clause. We switched them to a zero co-pay plan before renewal."

5 Star Rating

Rohan Mehta

41 years · Hyderabad

"I almost picked the cheapest plan. Comparing coverage helped me get better protection for nearly the same price."

5 Star Rating

Rakesh M

24 years · Bengaluru

"I've had the same ₹3L policy for 6 years. Test My Policy told me in 60 seconds that it wouldn't cover a single day in the ICU. I ported to a ₹20L plan the same week."

5 Star Rating

Got questions? Quick answers.

It checks whether your existing policy actually covers what you think it does — sum insured, premium, and hidden restrictions. Test My Policy does this free in 10 seconds, no documents needed.
Industry experts recommend a minimum of ₹25 Lakhs for a family floater today. With medical inflation running at 14% annually, a policy you bought 5 years ago covers significantly less than it did.
A daily limit on what your insurer pays for your hospital room. Exceed it, and every other charge — surgeon fees, nursing, diagnostics — gets cut proportionally too.
Usually due to clauses policyholders never knew existed — room rent caps, sub-limits, waiting periods, exclusions. In FY25, over ₹30,000 Crore in claims were rejected across India.
Switching to a better insurer while keeping the waiting period you've already served. It's an IRDAI-guaranteed right — but you must apply at least 45 days before renewal or your waiting period resets to zero.
Apply to your new insurer at least 45 days before your renewal date with your current policy and claim history. Miss the window and your pre-existing disease waiting period resets completely.

Check your policy
before you need it.

Medical costs rise
14% a year. Waiting is a risk too

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