A CIBIL score for your family's insurance adequacy.
Link your policies. Get a 0–100 score across coverage, overlap, nominees, renewals, and gaps. Updated every time your life changes.
Here's what's hidden — and why the market won't tell you.
- 01
India's insurance protection gap grows 4% annually — mostly because people buy a policy and never review it.
- 02
Life changes — marriage, a child, a diagnosis, a property purchase — should trigger a coverage review. Almost never do.
- 03
Bima Sugam is prohibited from storing customer data — so it cannot do longitudinal advisory. That gap is structural.
Clear answers, in language you actually recognise.
Link your family's policies. We compute a 0–100 Policy Health Score across five dimensions.
Coverage adequacy, redundancy/overlap, nominee accuracy, renewal risk, gap alerts — scored separately + combined.
Gap alerts with specific actions: "Your father is 72 — add him to your floater OR enrol him in Vaya Vandana."
Life-event triggers: when you add a child, receive a diagnosis, change jobs — the score auto-updates with new alerts.
In two minutes — no forms, no agents, no waiting.
- 01Upload your family's policies
Manual upload; Bima Sugam API pull when available. OCR handles PDF + photo.
- 02Get your score
0–100 score per person, per policy, per family. See which dimension is dragging you down.
- 03Act on the gaps
Specific, locale-appropriate actions — never a sales pitch. Link to official portals or insurer cross-sell via affiliate (our fee comes from the insurer, not you).
For anyone who's never read the fine print — which is most of us.
The newly-married couple
Two separate policies, no joint planning yet. One score shows where you overlap and where you have gaps.
The family with aging parents
Parents are on a 15-year-old floater. Coverage has not kept pace with medical inflation. The score shows exactly how behind.
The career-change professional
Job-provided group policy used to cover you. Now you're freelance. Do you have enough individual cover?
- How is this different from comparing plans on Policybazaar? +
- Policybazaar optimises the sale. We optimise the next 3 years. We don't sell policies — we tell you what you already have, what you're missing, and what to do.
- Will this cost money? +
- Basic score is free. Premium tier (advisory, priority support, faster score re-runs on life events) is ₹299/year per family. We never charge on a policy placement.
We never place your policy or take a broker cut. IRDAI-registered advisory model.
Granular consent toggles. Export or delete everything any time. Enforced in product.
Your documents never leave India. Auto-delete at 7 days unless you save.
We don't share your policy with any insurer — ever. Not even anonymised.
Join the waitlist
Launching in the next phase. The 5-dimension scoring engine + gap finder are in design. Join the waitlist.