How we read a policy

For every plan we start from the documents the insurer itself files: the policy wording and the prospectus. Marketing pages and sales brochures are not a source - when a claim is judged, only the policy wording counts, so that is what we read.

Each plan is read against the same checklist of features - room rent limits, waiting periods, the restore benefit, no-claim bonus, and the rest - so any two plans can be compared like for like. Each entry records where in the document the clause sits, and keeps the insurer’s original wording alongside our plain-language explanation, so you can always check the source yourself.

What a policy will not pay, and what it makes you wait for, matters as much as what it covers. We record permanent exclusions and disease-specific waiting periods with the same discipline: the clause reference first, the plain explanation after.

In Discussions, anyone can answer a question. An answer earns its verified tick only after it has been read against the policy wording and cited. Everything else is a fellow buyer’s take - often useful, clearly labelled.

We do not sell insurance, and no insurer pays us to look better. When two plans are compared, the differences we surface come from their documents - never from a commission. And the final call is always yours: we lay out what the wording says, we don’t decide for you.

Policies get revised and humans make mistakes. If you find an error, write to us - corrections take priority over everything else we do.