Still comparing a quote?
Check restrictions and advisor claims before you commit.
Check my quote before I buy
Independent policy second opinion
Before you pay, read between the lines.
Send your health-insurance quote and what your advisor told you. ClauseDekho will check the important restrictions and show you what the documents actually say.
First five customers get one policy review free · Human-reviewed · Delivered within 24 hours
What a “lower premium” can change
Co-paymentYou may pay part of every admissible claim.
CHECKRoom eligibilityA room limit may reduce more than the room bill.
CHECKWaiting periodsSome conditions may not be covered immediately.
CHECK
Choose where you are in the buying journey.
The same human-reviewed, 24-hour service—with questions matched to your situation.
Already received your policy?
Ask us to check the policy schedule and wording, proposal form if available, what your advisor promised, medical disclosures, the date you received the policy, and where you bought it.
Start promptly before the applicable free-look period ends. Eligibility and deadlines depend on your policy and circumstances—confirm the applicable deadline with your insurer. A review does not guarantee cancellation or refund eligibility.
Check my new policyThe headline looks good. We check what sits underneath.
A lower premium is useful only when you understand what changed. Every material finding points to the exact page or clause.
Co-pay & deductible
What portion you may need to pay before or alongside the insurer.
Room & ICU limits
Whether room choice can trigger a wider proportionate deduction.
Waiting periods
When pre-existing and specified conditions actually become eligible.
Sub-limits & exclusions
Treatment caps and important situations the policy does not cover.
Restore & bonus
When extra coverage becomes usable—and where the headline can mislead.
Advisor claims
Each material promise is marked confirmed, contradicted or not verifiable.
Three steps. No account. No long form.
Start on WhatsApp and share only what is needed for the review.
Send the quote
Share the quote or benefit illustration, exact plan and the important claims your advisor made.
We review it
Your documents are checked against a consistent checklist and the matching policy wording.
Get clear next steps
Receive a concise PDF plus WhatsApp summary within 24 hours.
See the output first
A report built for a decision, not a filing cabinet.
The sample uses a synthetic family case and current insurer wording. It shows the exact evidence behind every conclusion.
Confirmed — supported by the supplied documents, with conditions explained.
Contradicted — materially different from what the documents state.
Not verifiable — more evidence or a live insurer check is required.
Open the full sample PDF
SAMPLE FAMILY POLICYCLARIFY BEFORE PAYING
AMBER
₹20 lakh is layered, not one undivided base cover. The extra benefit becomes usable after the base is exhausted.
RED
Unlimited restore is not evidenced. The base plan and separate add-on say different things.
NEXT STEP
Ask the insurer for a final schedule showing every selected benefit and add-on.
ID
Your reviewer
Reviewed by Ishu Dhariwal—not an anonymous score.
Every report is personally reviewed by Ishu. The job is simple: compare the sales story with the written policy, explain material restrictions in plain language, and show you what to ask next.
12 yearshealth-insurance experience
2,000+families helped
Your documents contain more than policy clauses.
We minimise what we collect and tell you what to mask before you send anything.
Mask before sending
- Aadhaar and PAN numbers
- Bank, card and UPI details
- Signatures and unrelated records
Kept only as needed
ClauseDekho working copies are deleted within 30 days of report delivery, or earlier on request where operationally possible. WhatsApp and other providers may retain their own copies under their policies.
Introductory offer
Check my quote before I buyThe first five customers get one policy review free.
One free review per customer. After the first five customers, the planned price is ₹499. Paid reviews will include a clarity guarantee after compliance clearance.
Good questions.
Does ClauseDekho recommend which policy I should buy?
No. The service explains the documents you supply, compares material advisor claims with the written terms, and identifies questions or corrections to raise. It does not sell or recommend a replacement policy.
Does a clean report guarantee my future claim?
No. A document review cannot guarantee how a future claim will be assessed. A clean review means no material mismatch was found in the documents and scope reviewed.
What should I send?
Your quote or benefit illustration, exact product and variant, family details relevant to the quote, and screenshots or a list of material advisor claims. Mask unnecessary identifiers before sending.
How is the policy verified?
We compare the quote or policy schedule, the matching product wording, and what you were told. Where relevant, we also check the applicable conditions and published guidelines defined by IRDAI and cite the source. This method does not mean IRDAI has approved, certified or endorsed ClauseDekho.
What is not covered?
Employer group policies, term life, travel, accident-only and critical-illness-only plans, claim disputes, legal representation, and unsupported policy languages are outside the initial service.