{"id":1149,"date":"2025-07-28T14:02:17","date_gmt":"2025-07-28T14:02:17","guid":{"rendered":"https:\/\/www.coversure.in\/blog\/?p=1149"},"modified":"2026-09-26T22:43:25","modified_gmt":"2026-09-26T22:43:25","slug":"know-your-policy-with-coversure","status":"publish","type":"post","link":"https:\/\/www.coversure.in\/blog\/coversure\/know-your-policy-with-coversure\/","title":{"rendered":"What is the \u201cKnow Your Policy\u201d feature in CoverSure?"},"content":{"rendered":"\n\n\n\n\n
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AI OVERVIEW<\/span><\/p>\n<\/th>\n<\/tr>\n<\/thead>\n

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Know Your Policy is a CoverSure feature <\/span><\/a>that reads your insurance policy and explains it in plain English. Upload or add a health, life, or motor policy, and it breaks down what’s covered, what’s excluded, waiting periods, room rent limits, co-pay, sub-limits, restoration, bonus, riders, and embedded benefits you may not be using, like free health check-ups or teleconsultations. It helps you spot gaps before a claim, not during one. It complements IRDAI’s Customer Information Sheet (the summary insurers must give you) by translating the full policy wording into decisions you can act on. It is available on the CoverSure app and at coversure.in\/knowyourpolicy.<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

“What does proportionate deduction mean?” asked no one until the claim<\/b><\/h2>\n

Here’s a quiz. Your policy says: “Room rent: up to 1% of sum insured per day. Where the insured opts for a higher room category, all associated medical expenses shall be payable in the proportion that the eligible room rent bears to the actual room rent incurred.”<\/span><\/p>\n

Quick, in plain English: if you pick a slightly nicer room, how much of your doctor’s fee gets cut?<\/span><\/p>\n

If you had to read that twice (or gave up at “proportion”), you’re in good company. Insurance policies are written for regulators and courts, not for people. A typical health policy runs dozens of pages of definitions, exclusions and conditions. Most of us read the premium, the sum insured and the renewal date, and trust that the rest will be fine.<\/span><\/p>\n

It usually isn’t “fine” or “not fine”. It’s “fine, except for these four clauses you didn’t know about”. Know Your Policy exists to show you those four clauses before a hospital does.<\/span><\/p>\n

What is Know Your Policy?<\/b><\/h2>\n

Know Your Policy<\/span><\/a> is CoverSure’s policy decoder. You add your policy, and it translates the policy wording into a clear breakdown of:<\/span><\/p>\n