Stop Paying for Insurance
That Won't Pay You Back
SureCover analyzes your protection gaps, decodes hidden policy clauses, and tells you exactly where your money should go — in minutes. No sales pitch.
Policy Decoder
Instant Clause Analysis
Upload your policy and uncover benefits, exclusions, hidden conditions, returns, and claim risks in plain English.
- ✓Identifies hidden exclusions & conditions
- ✓Flags clauses that cause claim rejection
- ✓Plain-English breakdown of your policy
- ✓Covers health, term, ULIP & more
Coverage Analyser
Protection Score Report
Answer a few questions and get a personalised protection score — calibrated against IRDAI benchmarks for your income and life stage.
Protection Score
Sample · Arjun Sharma, 34, Bengaluru
- ✓Weighted score across health, term & budget
- ✓Identifies critical coverage gaps
- ✓Actionable recommendations, no jargon
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 and uncover benefits, exclusions, hidden conditions, returns, and claim risks in plain English.
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.
Find Out Your Protection Score
in 3 Minutes
No registration. No sales call. No commission. Just your personalized protection analysis using IRDAI benchmark data.
Find Out If Your Family Is Truly Protected — ₹99SureCover is an independent platform. We do not sell insurance or receive commissions.