Along with the automated report, the platform also offers users an optional consultation with an IRDAI-certified insurance expert to help interpret the findings.
Published Dec 16, 2025 | 6:31 PM ⚊ Updated Dec 16, 2025 | 6:31 PM
Representational image. Credit: iStock
Synopsis: InsurTech platform CoverSure has launched a digital feature called “Policy Health Check”, which allows users to assess whether their existing health insurance policy remains suitable. The tool evaluates policies across nearly 30 parameters, including coverage limits, exclusions, add-ons, insurer terms, and changes in the policyholder’s life stage or health profile.
A large number of health insurance policyholders in India continue to renew their policies each year without reviewing whether the coverage still matches their changing health needs, lifestyles, or financial risks.
Industry experts say this habit often leaves families exposed to exclusions, inadequate sums insured, or outdated policy terms—problems that usually surface only at the time of a claim.
Seeking to address this gap, InsurTech platform CoverSure has launched a digital feature called “Policy Health Check”, which allows users to assess whether their existing health insurance policy remains suitable. The tool evaluates policies across nearly 30 parameters, including coverage limits, exclusions, add-ons, insurer terms, and changes in the policyholder’s life stage or health profile.
Users are required to enter basic policy and personal details, after which the system generates an assessment indicating whether the plan should be continued as is, modified, or ported to another insurer.
Along with the automated report, the platform also offers users an optional consultation with an IRDAI-certified insurance expert to help interpret the findings.
According to the company, the tool draws comparisons from a database of over 1,500 health insurance products across around 60 insurers, positioning it as a policy review mechanism rather than a sales-led recommendation engine.
The service is expected to be most relevant for three categories of consumers: policyholders approaching renewal dates, first-time buyers within the “free look period” who can still exit a policy without penalty, and long-term customers reassessing coverage after major life changes such as marriage, childbirth, ageing parents, or the onset of chronic illness.
Commenting on the issue, CoverSure founder and CEO Saurabh Vijayvergia said health insurance is often ignored between purchase and claims, despite the fact that policies need periodic updates. “Insurance isn’t an evergreen product. Coverage and add-ons need to evolve as a person’s life changes. Blind renewals can lead to financial stress during claims,” he said.
The Policy Health Check service is priced at ₹99 and is available through the company’s website. CoverSure says the aim is to help policyholders make informed decisions before renewal rather than discover shortcomings during hospitalisation.
The launch comes at a time when rising healthcare costs and complex policy structures have made underinsurance a growing concern, particularly among middle-income households that rely heavily on employer-provided or long-standing retail health insurance plans.
