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Meet InsureGenie

Your AI Insurance Expert.

Ask anything about health insurance, life insurance, policy benefits, tax savings, exclusions, waiting periods and coverage. Get personalized answers backed by real insurance documents and AI.

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Compare Star Health and Niva Bupa for a family of four.
Here's a side-by-side for a family floater of 4:
Parameter
Star Comprehensive
Niva Bupa Aspire
Sum Insured
₹5L–₹1Cr
₹3L–₹3Cr
Room Rent
No cap
No cap (Aspire+)
Waiting (PED)
2 years
2 years (3 yrs base)
Source: official policy brochures · IRDAI guidelines
InsureGenie is typing…
Which health insurance is best for a family of four?Compare Star Health and Niva Bupa.Explain this policy in simple English.Which policy covers maternity?Best insurance plan for a diabetic aged 40.How much tax can I save through health insurance?

How it works

From question to clarity in four steps.

01

Tell InsureGenie about yourself

Share your age, family, health and goals — naturally, in chat.

02

AI searches insurance knowledge

Pulls from real policy documents and public IRDAI sources.

03

AI analyzes the policies

Cross-checks waiting periods, exclusions, sub-limits and premiums.

04

Receive explanations & recommendations

Clear answers, comparisons and follow-up suggestions.

Capabilities

Insurance intelligence, beautifully simple.

Eight focused capabilities — one conversational interface.

AI Powered Insurance Search

Find the right policy with natural questions instead of filters.

Policy Comparison Engine

Side-by-side breakdowns of coverage, premiums, and exclusions.

Health Insurance Analysis

Decode brochures: waiting periods, sub-limits and network hospitals.

Life Insurance Guidance

Term vs ULIP vs endowment — explained for your life stage.

Tax Benefit Discovery

Section 80C, 80D and 10(10D) made simple with real examples.

Policy Simplification

Paste any clause, get plain-English explanation in seconds.

Coverage Analysis

Spot gaps in your existing policies before they cost you.

Personalized Recommendations

Tailored to your age, family, health, income and goals.

AI reasoning

Watch InsureGenie think — step by step.

InsureGenie surfaces its reasoning chain: which documents it consulted, the exclusions it weighed, and the tradeoffs it considered. No more black-box answers.

Understands policy documents and brochures
Explains waiting periods and exclusions
Compares plans across insurers
Analyzes tax benefits & section eligibility
Provides personalized recommendations
Reasoning trace
  1. 1Identify user's profile: family of 4, age 35, mild hypertension.
  2. 2Filter products: family floater plans with PED coverage ≤ 2 yrs.
  3. 3Score plans by sub-limits, room rent caps, claim ratio.
  4. 4Cross-check exclusions on lifestyle conditions.
  5. 5Surface top 3 with transparent tradeoff explanation.
Final answer with confidence: High (87%)

Why teams trust us

Built for honesty. Designed for clarity.

Real Policy Based Insights
Transparent Explanations
Source Backed Answers
Privacy Focused
Educational Guidance

Start your first conversation with InsureGenie.

Free to try. No spam. No sales calls. Just clear, educational answers about insurance.

IGInsureGenie

Your AI Insurance Expert — built to make insurance feel less like fine print and more like a conversation.

Resources
Important disclaimer. InsureGenie provides educational information based on insurance documents and public sources. It is not an insurance company, broker, tax advisor, or financial advisor. Always consult a qualified professional before making financial decisions.
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