Room-rent cap
A room above the allowed category may reduce more than the room bill.
Know before a claim
Your cover amount is the headline. The clauses decide the claim.
Upload your health or term insurance PDF. AI turns the fine print into a short decision report - what is strong, what needs attention, and what could reduce or delay a payout.
Page-level evidence Private vault Ask follow-up questions
AI policy report
Health policy reality check
2
Strengths
3
Check
1
Danger
Room choice may reduce the full claim
Page 18Pre-existing conditions wait 36 months
Page 11Restoration benefit is included
Page 24AI summary: Good core cover, but confirm the room-rent rule and waiting periods before relying on it.
1 clause
can change a claim outcome
6 checks
surfaced before you need them
Exact pages
so every finding is verifiable
The expensive details
A policy can be active, and still surprise you.
AI connects policy language to its possible real-world impact, so you know which questions to ask while there is still time.
Waiting periods
A covered illness may still be ineligible during the first months or years.
Co-pay & deductibles
Part of an otherwise valid claim may always remain yours to pay.
Exclusions
Specific treatments, causes or circumstances may never be covered.
Disclosure clauses
Incomplete declarations can put a future health or term claim at risk.
Disease sub-limits
The total cover can look large while one treatment has a much smaller cap.
One calm report
Strength, weakness, danger - clearly separated.
You should not have to interpret a second PDF. The analysis prioritizes what matters and keeps every explanation short.
Review your policy nowStrength
No room-rent restriction found
More flexibility when choosing a hospital room.
Needs review
36-month pre-existing disease wait
Existing conditions may not be payable during this period.
Claim danger
Non-disclosure can void the policy
Verify that health and lifestyle declarations are complete.
From PDF to clarity
Three steps. No insurance jargon required.
Upload the complete PDF
AI first checks that the document matches the health or term policy you selected.
AI reads the fine print
Benefits, limits, waits, exclusions and claim rules are reviewed together.
Understand and ask
See a prioritized report, verify source pages and ask questions grounded in your PDF.
Built for informed decisions
Clarity without false certainty.
The report explains policy wording; it does not promise claim approval or replace professional advice. Page references keep the original contract in view.
Common questions
Before you upload
What does Vashiyat insurance analysis check?+
It checks health and term insurance PDFs for benefits, exclusions, waiting periods, sub-limits, co-payments, claim conditions and other clauses that may affect coverage or payout.
Does the AI replace an insurance advisor or insurer?+
No. The report helps you understand the policy wording and prepare better questions. The policy contract and insurer remain authoritative.
Can I see where a finding came from?+
Yes. Important findings include page-level references so you can verify the wording in your own policy PDF.
Can I analyze both health and term insurance?+
Yes. Vashiyat supports health and term policy analysis and adapts the review to the policy type.
The best time to find a clause is before a claim
Know what your policy will ask of you.
Upload the PDF today. Keep the report with the policy your family may one day depend on.
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