Stop Paying for Insurance
That Won't Pay You Back
SureCover analyzes your protection gaps, detects hidden clauses, and tells you exactly where your money should go — in 3 minutes. Free. No sales pitch.
Live Demo — Watch Your Score Improve
Your Protection Score
Health Cover
Term Cover
Exposure
Annual Premium
₹92/day protects your entire family
Sample report for Arjun Sharma, 34, Bengaluru · ₹12L income
The Hidden Insurance Trap
Most Indians Are Paying Premiums for False Security
Over 78% of Indian families have at least one of these three problems. SureCover finds yours in 3 minutes.
Paying ₹80,000/year when ₹33,000 gives you better protection
Agents push investment-linked policies (ULIPs, endowment plans) that charge 3–5x more than pure term + health. The extra ₹47,000/year, if invested in a simple index fund, becomes ₹38L in 20 years.
₹47,000/yr wasted
avg. over-insurance cost
Your ₹5L health cover will pay only ₹1.6L of a ₹10L surgery in 10 years
Medical inflation in India runs at 12% CAGR (IRDAI 2024). A ₹5L cover bought today buys the same protection as ₹1.6L in 10 years. Most Indians haven't increased their health cover since they bought it.
12% CAGR
medical inflation (IRDAI)
Most investment-linked policies return less than an FD over 15 years
ULIPs and endowment plans average 4–6% returns after charges. A 15-year FD returns 6–7%. A simple Nifty 50 SIP returns 12–14%. You're paying an insurance premium for an underperforming investment.
4–6% returns
avg. ULIP post-charge return
How It Works
From Zero Clarity to Complete Protection
in 4 Steps
No jargon. No sales call. No waiting. Your full protection report, generated instantly.
Fill Your Profile
Income, dependents, existing policies, outstanding loans, and emergency fund — takes 3 minutes.
Engine Analyzes 6 Dimensions
Our engine scores your health cover, term cover, budget sustainability, and emergency buffer against IRDAI benchmarks.
Get Your Protection Score
A 0–100 score with gap analysis, financial exposure calculation, and risk severity matrix.
Get Your Action Plan
Insurer recommendations with IRDAI claim data, hidden clause alerts, and an investment reallocation plan.
No registration required · No credit card · No sales pitch
Platform Features
Everything You Need to Know
Before You Buy — or Renew
Protection Score Engine
Core FeatureWeighted scoring across health, term, budget sustainability, and emergency buffer — calibrated against IRDAI benchmarks for your income and city type.
Policy Clause Decoder
Risk DetectionUpload your policy PDF and get a plain-language summary of the 5 clauses most likely to cause claim rejection — highlighted in red.
Insurer Comparison
IRDAI DataSide-by-side comparison using IRDAI Claim Settlement Ratio, Solvency Ratio, hospital network size, and co-payment terms.
Investment Optimizer
Wealth BuilderCalculate exactly how much you're wasting on ULIPs and endowment plans — and what that money would grow to in a pure term + SIP strategy.
Claim Coach
Claim SupportPre-filing checklist, claim probability score, and escalation path if rejected — so you never lose a valid claim on a technicality.
Life Stage Triggers
Smart AlertsAuto-alerts when your coverage needs updating: marriage, new child, home loan, income jump, or medical diagnosis.
Real Results
10,000+ Indians Have Fixed
Their Coverage Gaps
“I thought I was well-covered because my company gives ₹5L health insurance. SureCover showed me that this cover disappears the moment I switch jobs — and ₹5L doesn't even cover a cardiac stent anymore. Bought a ₹15L personal plan for ₹12,400/year.”
Fixed ₹1.2Cr term gap
Arjun Sharma
Software Engineer, 34 · Bengaluru
“I was paying ₹72,000/year for a ULIP my uncle recommended in 2019. SureCover showed me it was returning 4.8% after charges. Switched to term + SIP. Same protection, ₹54,000 saved, and my SIP is already up 18% this year.”
₹54,000/yr redirected to SIP
Priya Nair
Marketing Manager, 31 · Mumbai
“Being self-employed meant I had zero employer insurance. My score was 19/100. SureCover built me a complete protection plan: ₹20L health floater + ₹2Cr term + ₹20L critical illness rider for ₹48,000/year. For a CA at my income, that's less than 4% of income.”
Total exposure reduced by ₹2.4Cr
Rohan Mehta
Self-Employed CA, 41 · Pune
Find Out Your Protection Score
in 3 Minutes — Free
No registration. No sales call. No commission. Just your personalized protection analysis using IRDAI benchmark data.
Analyze My Coverage FreeSureCover is an independent platform. We do not sell insurance or receive commissions.