About PolicyVibe

PolicyVibe is a free web app that reads an Indian health insurance policy PDF and explains it in plain language. It shows the clauses that can reduce or delay a claim, how common situations would be handled, the deadlines that matter, and what each term means, with references back to the policy wording.

Why we built it

PolicyVibe started after watching a friend’s family at a hospital during a medical emergency. Instead of focusing on recovery, they were trying to work out what room rent capping, co-pay and waiting periods meant for their bill. Most people only learn how their policy works when they claim. We want people to understand it before they buy, renew or reach the billing desk.

How an analysis works

1. Text extraction. We extract the text of your PDF. Scanned image-only PDFs can’t be read yet.
2. Document check. A classifier confirms the document is a health insurance policy before any analysis runs.
3. Several focused reads. AI models from OpenAI read the policy wording in separate passes. Each pass has one job: summarise the key terms, find clauses that can reduce or deny a claim (with the clause reference and an excerpt), work through claim scenarios, build a claim-preparation checklist, explain the terms, and, if you add your age, conditions and city, flag what applies to you.
4. Community experiences. For the insurer and plan we detect, we search Reddit discussions and summarise what policyholders report. These are anecdotes, not verified facts, and are labelled that way.
5. Ask the policy. When you ask a question, we find the most relevant sections of your own policy and answer from them, with citations.

What it can’t do

• AI can misread or miss a clause. Treat every finding as something to check in your policy wording, schedule and endorsements, not as a final answer.
• Your insurer decides claims based on the full contract, medical records and the rules in force at the time.
• PolicyVibe doesn’t sell insurance, recommend specific products or act as an insurance intermediary. It is not legal, medical, financial or tax advice.

What happens to your policy

• You sign in with Google. We don’t see or store your Google password.
• The PDF file itself isn’t stored. Its text is sent to OpenAI for processing.
• Your analysis, the optional profile details you enter, and your chat questions and answers are saved to your account so you can come back to them. If you use chat, sections of the policy text are also saved to answer your questions.
• For community experiences, only the insurer and plan names are sent to a web search provider.
• We use Vercel Analytics for page views. Google Analytics runs without cookies unless you allow them. We never send policy text, file names, chat messages or profile details to analytics.

How we write our guides

• Every guide and glossary page is based on official sources, mainly IRDAI regulations and circulars, the Insurance Ombudsman and the Income Tax Department. Sources are listed at the end of each page.
• Rules that apply to every policy are kept separate from features that vary by product, so you know what to check in your own wording.
• Each page shows when it was last updated. We review pages when IRDAI changes the rules.
• No insurer pays us, and our pages contain no affiliate links.
• If you spot an error, message us and we’ll correct it.

Who builds PolicyVibe

PolicyVibe is built by Balaji Venkatesan. It launched on Product Hunt.

Check your policy free → Browse the glossary