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Health Policy Analyzer | Twins Consultancy
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Health Policy Analyzer

Evaluate your health insurance policy in minutes! Get a score, identify gaps, and receive expert tips to improve your coverage.

Discover Your Policy’s Strengths Now!

Shared room or ₹3,000/day
Up to ₹5,000/day
Single private A/C room
No room rent limit

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Below 1000
2000-5000
5000-10,000
Actuals

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Below 15,000
15,000-30,000
30,000-50,000
Actual

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Above for all or 30% for Major Surgeries
10%-30%
5-10%
0%

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I have to pay deduction amount in Zone A & B
I have to pay deduction amount in Zone A
I don't have discount & No need to pay deduction amount in Zone A,B,C
I got Zone discount, but My policy allowed Anywhere treatment without limits

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No cover till renewal
Get same sum insured for remaining period for new illness
Get same sum insured for remaining period to any illness
Get same sum insured in each and every claim

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Not covered at all – I paid from pocket
Only OT Consumables covered, not PPE and disposables
Limited Consumables items only covered
Fully covered or maximum covered

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No health check-up benefit
Available once every 2/4 years if no claims made
Every year, even claim made in previous year
Start from first year onwards, continue irrespective of claims

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30 days for pre & 60 days for post hospitalization with sub-limits
30 days for pre & 60 days for post hospitalization
60 days for pre & 90 days for post hospitalization
90 days for pre & 180 days for post hospitalization

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No or up to 5%
10%-20%
20-50%
100%

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Example: John Doe

Name is required

Example: user@example.com

Valid email is required

Example: +91 9876543210

Valid 10-digit phone number is required

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Why Use Our Analyzer?

Our Health Policy Analyzer evaluates your policy’s strengths and weaknesses based on 10 key questions. Discover gaps and get tailored tips to optimize your coverage!

How It Works

1. Answer 10 questions about your policy.
2. Enter your contact details (name, email, phone).
3. Click "Analyze" to see your score, gaps, and tips.
4. Share results or consult our experts via WhatsApp!

Get Your Free Consultation Now!

Top 20 FAQs About Health Insurance

A health insurance policy is a contract that covers medical expenses in case of hospitalization, surgeries, or other treatments, as per the policy terms.
Room rent limit is the maximum daily amount your policy covers for hospital room charges during hospitalization.
These are costs covered by your policy for ambulance services during medical emergencies, often with a per-trip limit.
Coverage for cataract surgery varies; some policies have limits per eye, while others cover actual expenses.
A co-pay clause requires you to pay a percentage of the medical bill, with the insurer covering the rest.
Some policies reduce coverage or apply deductions for treatments in certain zones, like Tier 1 cities.
If your sum insured is used up, some policies offer a recharge or refill for additional claims, while others provide no further cover until renewal.
OT consumables are items used during surgery in the operating theatre, like gloves, syringes, or bandages, which may or may not be covered by your policy.
Some policies offer free annual health check-ups, either unconditionally or based on no claims in the previous year.
Pre-hospitalization expenses include costs like diagnostics before admission, and post-hospitalization expenses cover follow-up treatments after discharge.
A wellness program rewards healthy behaviors (e.g., regular exercise) with discounts on premiums or additional benefits.
Yes, you can port your policy to another insurer, usually during renewal, while retaining benefits like no-claim bonuses.
A no-claim bonus increases your sum insured or offers a premium discount if you don’t make claims during the policy year.
Some policies cover maternity expenses after a waiting period, often 9-24 months, with specific limits.
A waiting period is the time you must wait before certain conditions (e.g., pre-existing diseases) are covered by the policy.
Outpatient department (OPD) expenses, like doctor consultations, are covered in some policies, often with sub-limits or as an add-on.
Cashless hospitalization allows you to get treated at network hospitals without paying upfront, as the insurer settles the bill directly.
Yes, many policies allow you to include parents, though premiums may increase, and age-related conditions may have waiting periods.
Critical illness cover provides a lump-sum payout if diagnosed with specific severe illnesses, like cancer or heart disease.
To file a claim, notify your insurer, submit required documents (bills, reports), and follow their process, either cashless or reimbursement-based.

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