PolicyDr
Summary
Most policyholders discover what their insurance doesn't cover at the exact moment they need to file a claim. PolicyDr exists to surface that gap before the ambulance arrives.
Upload a health or vehicle insurance PDF and PolicyDr runs it through a fixed workflow — extraction, term-matching against 62 IRDAI-standard categories, and colour-coded scoring — then emails you a plain-English report. Green means covered, amber means covered-with-catches, red means missing. The catches are the point: proportionate room-rent cuts and non-payable consumables are the line items that gut real-world claims, and most policyholders never read far enough to find them. The tool processes a single policy per submission, delivers output by email, and offers no API, no integration layer, and no way to query your report conversationally after delivery.
Bottom line: The right pick for someone renewing a health or vehicle policy who needs a quick gap audit in plain English — not the right pick when you need to compare five policies side by side or feed results into any downstream system.
Pricing Plans
Usage-Based- Price
- ₹199 one-time
- Free Tier
- Free access until 30 June 2026; unlimited analyses during trial period. After trial expiration, ₹199 per analysis.
Free Trial
Unlimited free gap analysis until 30 June 2026. No payment required. Full access to all features during trial period.
- Full policy gap analysis
- 62+ IRDAI term checks
- Colour-coded report (green/amber/red)
- Email delivery of PDF report
Paid
One-time payment of ₹199 per analysis after free trial ends (30 June 2026). Same full-feature access as trial.
- Full policy gap analysis
- 62+ IRDAI term checks
- Colour-coded report (green/amber/red)
- Email delivery of PDF report
View full pricing on policydr.com →
Pricing may have changed since last verified. Check the official site for current plans.
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Pros
Sign in to edit- Checks policy terms against 62 IRDAI-standard categories rather than just summarising what the document says, so gaps like consumables exclusions and room-rent proportionate cuts — the items that reduce real claim payouts — are explicitly flagged rather than buried in a summary.
- Colour-coded red/amber/green output means a consumer without insurance literacy can act on the report without decoding jargon, which removes the reading barrier that causes most people to ignore their policy until claim time.
- No account creation or payment required to receive a report during the free period, so there is no friction between uploading a PDF and getting actionable findings — the barrier that causes most consumers to postpone the review indefinitely.
- Plain-English explanations of ambiguous terms like proportionate deductions and co-pay conditions are included in the output, so the report is useful at renewal conversations with an agent, not just privately.
Cons
Sign in to edit- Submissions are processed one PDF at a time and reports arrive by email as static PDFs with no structured data export — anyone comparing three or four policies before renewal has to run separate submissions, read separate emails, and do the comparison manually, with no side-by-side view.
- There is no post-delivery query layer: once the report lands in your inbox, you cannot ask follow-up questions about specific clauses, which means consumers who want to probe ambiguous findings are back to reading the original document themselves.
- The scoring framework is built on IRDAI-standard terms, meaning policies issued under non-Indian regulatory frameworks will not map accurately to the checklist — international or non-IRDAI policies will produce incomplete or misleading gap scores, and teams handling those policy types will need a different tool entirely.
- No API and no integration path means the tool cannot feed results into a CRM, a renewal workflow, or any advisory platform — insurance brokers or fintechs looking to embed policy analysis at scale will find this a dead end and move to a document intelligence service with a programmable output layer.
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About
- Platforms
- Web (browser-based)
- API Available
- No
- Self-Hosted
- No
- Last Updated
- 2026-06-09T14:19:07.173Z
Best For
Who it's for
- Individual health insurance policyholders
- Vehicle insurance owners seeking clarity
- Consumers with limited insurance literacy
- Anyone renewing or comparing policies
- People at risk of coverage gaps during claims
What it does well
- Understanding actual coverage before filing a claim
- Identifying coverage gaps to address at policy renewal
- Clarifying ambiguous policy terms in plain English
- Comparing multiple policies to find the best coverage
- Reviewing health and vehicle insurance before major life events
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Frequently Asked Questions
- Is PolicyDr free?
- PolicyDr is a paid tool (₹199 one-time). No permanent free tier is offered.
- Is PolicyDr open source?
- No — PolicyDr is a closed-source tool. Source code is not publicly available.
- What platforms does PolicyDr support?
- PolicyDr is available on: Web (browser-based).
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Curated lists that include this category
Every insurance policy PDF is written for legal defensibility, not comprehension. PolicyDr accepts that PDF, runs it through a Claude-powered extraction and scoring pipeline, checks the extracted terms against 62 IRDAI-standard coverage categories, and returns a colour-coded gap analysis report by email. The workflow is fixed and linear: upload, extract, score, send. There is no chat interface, no follow-up query layer, and no account required to receive a report.
The differentiating feature is the IRDAI term checklist. Rather than summarising whatever the policy says, the tool scores what the policy says against a defined set of terms the Indian insurance regulator treats as standard — room rent caps, consumables exclusions, zero depreciation, NCB protection, return-to-invoice cover, and so on. That structure means the output flags what is absent, not just what is present, which is where most policy-reading failures happen.
The tool fits one scenario cleanly: an individual consumer with a single policy PDF who wants to know, before renewal or a major life event, exactly where they are exposed. It breaks as a workflow when the task is comparison shopping across multiple policies — submissions are one-at-a-time, reports arrive by email as PDFs, and there is no side-by-side view or exportable structured data. Teams or brokers handling policy reviews at volume will hit that ceiling immediately and move to a purpose-built document intelligence platform with batch processing and structured output.
There is no API, no self-hosted option, and no integration path. The vendor states the service is built on Claude AI and is scoped to Indian health and vehicle insurance — IRDAI-standard terms are the benchmark, so policies issued under other regulatory frameworks will not map cleanly to the scoring categories.