Policy Iris
Private beta · India

Do you know what your insurance policy actually covers?

Policy Iris reads your policy and explains it in plain words, with the page each fact comes from.

  • No selling, no advice on what to buy
  • Your data stays in India
  • Delete everything, anytime

Policy X-Ray

Family health policy

Sample
Sum insured₹10,00,000 a yearPage 2 ↗
Renews on31 Mar 2027Page 1 ↗

Covered

✓Hospital staysPage 7 ↗
✓Day-care treatmentPage 8 ↗

Not covered

✕Cosmetic treatmentPage 14 ↗
One waiting period is unclear. A person is checking it.
Made-up example. Tap a page to see it in the policy.
Questions we answer

The answers are in your policy. We find them.

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Will my policy pay for a hospital stay?See who is covered, the room-rent limit and any co-pay (the share of the bill you pay yourself).

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When does my waiting period end?A waiting period is the time before some illnesses are covered. Iris shows each one with its end date.

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Which money in my life policy is guaranteed?See guaranteed benefits kept separate from bonuses and other amounts that can change.

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Who is the nominee on each policy?A nominee is the person who receives the money if you die. Record them for every policy in one place.

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What isn't covered?Exclusions are listed as clearly as the benefits, with the page to check.

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What does my car policy cover after an accident?See own-damage cover, add-ons and the deductible (the amount you pay before the insurer pays).

How it works

Four simple steps

1. Say yes

We ask before anything is uploaded.

2. Upload

A PDF or a phone photo.

3. Iris reads it

Unsure points go to a person.

4. Read your X-Ray

Every fact links to its page.

More on how it works →

Our promise

We explain. We never sell or advise.

We earn nothing from insurers, so we have no reason to push you anywhere.

Policy Iris was founded by Abhijit Pal, FIAI, FIA, an actuary with about 20 years in life and health insurance, who kept seeing families surprised by what their policies did and didn't say.

About us
  • No advice to buy, switch or cancel
  • No ranking of insurers or products
  • No return projections
  • No selling, no commission
  • No ads, no selling your data
Privacy first

Your policy is personal. We treat it that way.

Encrypted, stored in India

Locked in transit and at rest.

Every fact has a source

Check any line against its page.

Delete in one step

Remove everything, whenever you want.

Read about privacy & trust →

FAQ

Common questions

What is Policy Iris?

Policy Iris reads an insurance policy you already have and explains it in plain words. It shows what is covered, what is not, and the key dates and amounts. Every fact links to the page of your policy it came from, so you can check it yourself.

Does Policy Iris sell insurance or tell me what to buy?

No. We don't sell insurance, earn commission or rank products. We never tell you to buy, switch or cancel a policy. We explain the policy you have, so your decisions are better informed.

Which policies will the beta cover?

Life insurance (term, term with return of premium, endowment, ULIP and riders), health, personal accident and motor policies, starting with a small set of insurers. If your policy isn't supported yet, we'll tell you rather than guess.

Can I upload my policy on this website today?

Not yet. The private beta opens in early 2027 inside a separate, secure app. Please don't send policy documents, ID numbers or medical details through this website or by email.

What happens if Policy Iris isn't sure about something?

It says so plainly. Anything Iris is unsure about is flagged on your X-Ray and checked by a person on our team, rather than guessed.

Who can see my policy?

You. During the beta, only a few named people on our team can open a document, to check its X-Ray, and every time they do, it is logged. We don't sell or share your data, and there are no ads.

Can I delete my data?

Yes, at any time, from your account. Deleting removes your documents, your nominee details and everything we extracted. You can also download a copy of your data first.

Is the X-Ray a replacement for my policy document?

No. The X-Ray helps you understand your policy. The policy document and your insurer remain the final word, including on claims.

Be one of our first beta users

Opens early 2027 for life, health, personal accident and motor policies.