BimaDecoder scans your health insurance policy and flags the hidden clauses — room rent caps, proportional deductions, PED traps — in plain Hindi or English. Before you need to claim.
Upload a PDF or photo · Works in Hindi, Tamil, Telugu, Marathi · Takes 60 seconds
"Raju admitted his mother for knee surgery. Room was ₹8,000/day. His policy cap: ₹5,000. The hospital bill was ₹1.8 lakh. His insurer paid ₹90,000. He paid the rest from his savings — wiped out."
This is the proportional deduction trap. When your room rent exceeds the policy cap, insurers scale down every line item — surgery, ICU, anesthesia — not just the room. It's legal. It's buried on page 34. And it ruins families every day.
BimaDecoder finds this trap in your policy before you ever check in.
Send a PDF, a photo, or a WhatsApp message with your policy document. We accept all major Indian insurers — Star Health, HDFC Ergo, Niva Bupa, ICICI Lombard, and more.
Our engine parses multi-column tables, sub-clauses, and footnotes — the parts agents never explain. It cross-references your policy against IRDAI 2024 guidelines automatically.
Receive a voice note or text summary in Hindi, Tamil, Telugu, Marathi, or English. Ask follow-up questions like "Kya dengue cover hoga?" and get instant, accurate answers.
Most policies limit room rent to 1–2% of sum insured per day. Exceeding it triggers proportional deductions on your entire bill — surgery included.
The silent multiplier. Every associated cost — anesthesia, doctor fees, diagnostics — gets cut by the same ratio as your room rent overshoot.
Pre-existing diseases like diabetes and hypertension are excluded for 2–4 years. IRDAI caps this at 3 years — your policy may be misquoting it.
Cataract, hernia, joint replacements, and sinusitis often have their own separate waiting periods buried in a footnote. Separate from the standard PED clause.
After 5 continuous years with any insurer, they cannot deny claims citing undisclosed pre-existing diseases. Many families don't know this protection exists.
Adjust the sliders to model your real hospital bill. The numbers update instantly.
This simulator is illustrative. Actual deductions vary by insurer and policy terms. Upload your policy for an exact analysis.
Type or send a voice note in Hindi, Tamil, Telugu, Marathi, Bengali, or Kannada. BimaDecoder replies in the same language — in simple terms, not insurance jargon.
Your clients distrust insurance because they don't understand it. BimaDecoder gives you a tool to explain policies in their language — and win their loyalty for life.
We're onboarding the first 500 families and 100 agents in beta. No payment required. Just your email and we'll reach out when your spot is ready.