One question most Indian families cannot answer

If something happened
to you tonight —
does your family
know what to do?

Most don't. Not because they don't care — because nobody ever showed them. InsureIQ gives you an honest picture in 8 minutes. Free. No agent. No commission.

Find out where your family stands → See how it works ↓

Family Safety Score — Sample Result

0 out of 100
Family at Risk

Serious gaps in critical areas. Every gap has a specific, affordable fix.

Income replacement
20
Health cover
0
Dependent security
55
Govt schemes
10
Emergency fund
40

This is a sample. Your actual score is calculated from your specific answers.

72%

of Indian families have no personal health insurance
only employer cover that disappears when they change jobs

₹3–10L

average private hospital bill in a metro
without insurance, this wipes out years of savings

₹436

per year for ₹2 Lakh life cover under PMJJBY
most eligible families have never enrolled

The honest truth

Here is what most Indian families
discover too late.

01

A 3-day ICU stay in a private hospital in Hyderabad costs Rs.2–4 lakh. Most families have Rs.3 lakh health cover. That gap comes entirely from savings.

02

87% of Indian families have no term life insurance. Their family's entire financial future depends on one person staying alive and employed.

03

Group health insurance from your employer ends the day you resign. Most people find out after they leave — when buying a fresh policy costs far more.

04

Millions qualify for government schemes costing Rs.20–436 per year that provide lakhs in cover. Most have never enrolled.

A real scenario

"Ramesh, 38. Software engineer in Pune. Company health cover of Rs.5 lakh. He thought his family was covered. In March, his father needed bypass surgery. The bill: Rs.8.2 lakh. Insurance covered Rs.3.1 lakh. The rest came from his daughter's education fund. He had no idea this was possible until it happened."

Composite of real cases across India

Why this keeps happening

Insurance in India is sold, not explained. Agents earn commission. You get what they want to sell.
Nobody teaches families how to read a policy, what TPA means, or what to do during a claim.
Most people discover their coverage gaps during a crisis — when it is too late to fix them.

Who InsureIQ is for

You probably recognise
someone in here.

Critical Risk

Ravi, 34

Software engineer · Hyderabad · Sole earner

Two kids. Parents depending on him. No term insurance. No personal health policy. Only employer cover. He thinks he will "sort it out later." His family has no floor if something happens to him tomorrow.

Hidden Gap

Priya, 29

Married last year · Bangalore · Working couple

Her husband has group health cover from his company. No personal policy. No nominee updated. She has no idea what their actual coverage is or what happens when he changes jobs.

Almost There

Suresh, 44

Business owner · Vijayawada · Parents dependent

Has a health policy. Has a term plan. But parents have no cover, sum insured is ₹2 lakh in 2026, and he has never heard of PMJJBY. One hospitalisation for his parents erases everything he built.

What happens without it

These are not hypotheticals.
These happen every day.

🏥

He was laid off in October. His employer cover lapsed the same day. His father was hospitalised in December. The bill was ₹5.8 lakh. He had ₹90,000 in savings. He borrowed from four people to clear it.

InsureIQ would have flagged this gap before he lost his job.

📋

He passed away suddenly at 41. His term policy had no nominee. His wife spent 3 years in legal proceedings to claim ₹50 lakh that was meant to protect her. The money arrived when the hardest years were already over.

InsureIQ flags missing nominees on every policy you add.

🇮🇳

She had a bank account for 12 years. She qualified for PMJJBY from day one — ₹2 lakh life cover for ₹436 per year. She found out only when her neighbour told her. She had been unprotected for a decade for no reason.

InsureIQ shows every government scheme you qualify for — and exactly how to enrol.

How it works

8 minutes to an honest
answer about your family.

InsureIQ works in layers. Start free. Go deeper as you need to. No pressure at any step.

01
📝

Answer 40 honest questions

Income, dependents, existing cover, loans, health history. The questions insurance agents never ask — because honest answers don't help them sell. 8 minutes. No registration required.

FreeNo credit card
02
🎯

Get your Family Safety Score

A number from 0 to 100. Income replacement, health cover, government schemes, emergency fund — all measured. The score is honest. It will tell you what most agents will not.

FreeAlways
03
🔍

See your gaps — and what they cost your family

Each gap comes with a plain English explanation in rupees. Government schemes you qualify for are shown first. Always free before paid.

FreeNo paywall
04
📄

Get your personalised report

Complete Family Safety Report. Exact rupee gap figures. 12-month action plan. Government scheme activation steps. Before you buy checklist. What not to do. Claim Fighter for govt schemes.

Rs.349One-time. No subscription.
05
📁

Policy Vault + Emergency SOS + Claim Fighter

Unlimited Policy Vault with AI parsing. Claim Fighter for private insurance. Family Emergency Access via UID. Emergency SOS with your actual policy details — works offline. AI knows your actual policies. 50 questions/day. Annual report refresh.

Rs.1,299Guardian / year
06
🛡️

Full family protection — human backup

Everything in Guardian. AI unlimited. WhatsApp human support with 4-hour response. Human claim assistance — our team reviews your documents before you submit. Emergency human backup. Priority grievance support for IRDAI escalation. Bill verification.

Rs.2,499Pro / year

What your score means

Three families.
Three very different realities.

22

Family at Risk

No personal health insurance. No term life. No government schemes. Employer cover only. One event changes everything.

No personal health cover
No term life insurance
0 government schemes enrolled
No nominees updated
54

Exposed in Key Areas

Has employer cover and one government scheme. But no personal policy, low sum insured, parents unprotected.

Employer health cover
PMJJBY enrolled
No personal health policy
Parents have no cover
81

Well Protected

Personal health cover. Term life in place. All government schemes enrolled. Nominees updated on every policy.

Personal health — ₹10L floater
Term life — ₹1 Crore
PMJJBY + PMSBY enrolled
All nominees updated

What you get

Built for the moments
that actually matter.

🎯

Family Safety Score

An honest 0–100 score. Income replacement, health cover, government schemes, emergency fund — all measured, all explained in plain language.

Free
📄

Personalised Report

Complete diagnosis. Exact rupee gaps. 12-month action plan. Government scheme steps. Before you buy checklist. What not to do. Yours forever.

Basic — Rs.349
📁

Unlimited Policy Vault with AI Parsing

Upload your PDF — we extract insurer, TPA, renewal date, exclusions automatically. Your family can always find them even if you cannot.

Guardian — Rs.1,299/yr
⚔️

Claim Fighter

Govt schemes (Basic) and private insurance (Guardian). Exact documents, TPA scripts, escalation path to IRDAI Bima Bharosa. Know your rights. Always.

Guardian — Rs.1,299/yr
🚨

Emergency SOS

Your real TPA number. Your real policy number. Nearest cashless hospital. Works offline without login. One tap at a hospital at midnight.

Guardian — Rs.1,299/yr
👨‍⚕️

Human Claim Assistance

Our team reviews your documents before you submit — catching missing items before rejection. WhatsApp support with 4-hour response. Emergency human backup.

Pro — Rs.2,499/yr

Government schemes

The government has already set aside cover
for your family. Most families never claim it.

InsureIQ shows you which of these you qualify for — and the exact steps to activate each one.

SchemeCostWhat you get
PMJJBYPradhan Mantri Jeevan Jyoti Bima YojanaRs.436/yearRs.2 lakh life cover — death from any cause. Age 18–50.
PMSBYPradhan Mantri Suraksha Bima YojanaRs.20/yearRs.2 lakh accidental death or disability cover. Age 18–70.
PMJAY / Ayushman BharatFreeRs.5 lakh health cover per family per year. For eligible families.
State SchemesAarogyasri (TG/AP), Chiranjeevi (RJ), Swasthya Sathi (WB)FreeUp to Rs.25 lakh per family per year depending on your state.
APYAtal Pension YojanaRs.42–Rs.210/monthGuaranteed pension of Rs.1,000–Rs.5,000/month after age 60.
SSYSukanya Samriddhi YojanaRs.250/year minimum8.2% tax-free savings for your daughter's future. Before she turns 10.

Together, PMJJBY + PMSBY cost Rs.456 per year — less than Rs.40 per month — and give your family meaningful financial protection.

Our commitment

We are paid only by you.
Never by any insurer.

InsureIQ earns revenue from users — Rs.349 for the report, Rs.1,299/year for Guardian, Rs.2,499/year for Pro. We do not receive money from any insurer, agent, or advertiser.

The moment we take insurer money, our advice is no longer honest. We are not willing to trade that. Ever.

✓ No commissions from any insurer
✓ No advertisements
✓ No insurer partnerships
✓ Not an IRDAI-registered advisor
✓ Diagnostic tool only — education, not advice
✓ InsureIQ never names private insurers

"I built InsureIQ because my own family had gaps I didn't know about. I work in compliance and fraud analytics — I understand financial systems. And even I didn't know that my parents qualified for a government scheme that would have covered Rs.5 lakh of medical expenses for free. If I missed it, most families have no chance. InsureIQ is not a startup pitch. It is something I needed, could not find, and decided to build."

— Anil Kumar N, Founder · Mindprint Technologies

Pricing

Honest. Simple.
No hidden fees.

Start free. Pay only for what you actually need. Every recommendation has a government fallback.

Free

Know where you stand

Rs.0

Always free. No credit card.

Family Safety Score (0–100)
Gap analysis — what is missing and why
Government scheme eligibility check
No registration required to start
Get Started Free

Basic

Know your complete picture

Rs.349

One time · Yours forever · No auto-renewal

Complete Family Safety Report
Exact rupee gap figures — from your income, loans, family size
12-month action plan — what to do first, what it costs
Government scheme activation steps — documents, where to go, what to say
Before you buy checklist — 20 questions to ask any agent
What not to do — 9 mistakes that cost Indian families lakhs
Claim Fighter — govt schemes (Ayushman, PMJJBY, PMSBY, ESIC)
Get My Family's Report →
Most complete

Guardian

Protect what you have built

Rs.1,299

Per year · Rs.108/month · Billed annually

Everything in Basic
Unlimited Policy Vault with AI parsing — insurer, TPA, renewal date, exclusions extracted automatically
Claim Fighter — private insurance (health, motor, term life, personal accident)
Family Emergency Access — generate a Family UID, your family WhatsApps the code in an emergency
Emergency SOS — your real TPA number, your real policy, works offline without login
AI knows your actual policies — ask about your TPA, exclusions, claim process
AI — 50 questions/day in any Indian language
Annual report refresh — retake every year, compare your score
Start Guardian →
Full protection

Pro

Full family protection

Rs.2,499

Per year · Rs.208/month · Billed annually

Everything in Guardian
AI — unlimited, no daily cap, priority responses, always your context
WhatsApp human support — direct access to our team for claims, emergencies, policy questions. 4-hour response.
Human claim assistance — our team reviews your documents before you submit, catches missing items before rejection
Emergency human backup — if your family cannot resolve an emergency via the bot, our team steps in directly
Priority grievance support — we guide you step by step through IRDAI escalation, ombudsman, and consumer forum
Bill verification — upload your hospital bill, we check it against your policy and flag overcharges
Start Pro →

Your Rs.349 report stays forever. Each plan adds on top — no re-purchase needed. InsureIQ never names private insurers. Every recommendation has a government fallback.

The team

Two people who believe
honesty should not be a privilege.

Anil Kumar N — Founder, InsureIQ

Anil Kumar N

Founder

Compliance and fraud analytics professional with 6 years across AML, transaction monitoring, and financial risk. Built InsureIQ because his own family had gaps he didn't know existed.

Tanmai Y — Co-Founder, InsureIQ

Tanmai Y

Co-Founder

Product and technology co-founder at Mindprint Technologies. Believes the best financial tools are built by people who have personally felt the problem they are solving.

Honest answers

The questions people
actually ask.

Is InsureIQ affiliated with any insurance company? +
No. We have no tie-ups, no referral fees, no commissions from any insurer. We name government schemes only. Private insurers are never recommended by name. Our revenue comes only from users.
Is my data safe? +
Your assessment answers are processed on your device. Nothing is stored without your consent. Your Policy Vault documents are stored encrypted. We will never sell your data to any third party.
I already have insurance from my employer. Why do I need this? +
Your employer's cover ends the day you resign, retire, or are laid off. InsureIQ shows you what happens to your family's coverage if that cover disappears — and what to do about it now, while you are still employed and insurable.
What if my score is very low? +
A low score is not a judgment. It is a starting point. Every gap in InsureIQ has a specific fix — many of them cost under Rs.500 a year. You have already done the hardest part by finding out.
Is the Rs.349 report worth it? +
The report shows you exactly where your family is exposed in rupees, gives you a 12-month action plan, and tells you every government scheme you qualify for with exact activation steps. The government schemes alone — PMJJBY at Rs.436/year, PMSBY at Rs.20/year — are worth hundreds of times the cost of the report.
Can I use InsureIQ without internet? +
The Emergency SOS and Policy Vault work offline after initial setup. Your policies and emergency contacts are cached on your device. This is intentional — emergencies happen when connectivity is unreliable.
Is InsureIQ an IRDAI-registered advisor? +
No. InsureIQ is an educational and diagnostic tool. We are not a licensed financial advisor. Everything in the app is information to help you make better decisions — not advice that replaces a qualified professional.
What is the difference between Guardian and Pro? +
Guardian gives you the complete digital toolkit — unlimited Policy Vault, Claim Fighter for private insurance, Emergency SOS with your real policy details, Family Emergency Access, and AI with 50 questions/day. Pro adds human beings to your support system — WhatsApp access to our team, human document review before claim submission, emergency human backup if the bot cannot resolve something, and priority grievance support through IRDAI escalation.

Free guides

Honest answers to the questions
nobody explains in India.

No agents. No commission. No fluff. Every guide is written for real Indian families — with specific rupee figures and exact steps.

🏥
Health Insurance
What happens to your health insurance when you leave your job?
Your cover stops on your last working day. Here is exactly what to do — before you resign.
Read guide →
 🏛️
Government Schemes
PMJJBY and PMSBY — Rs.456/year for Rs.4 lakh protection
Two government schemes most Indians don't know about. Enrol in 10 minutes at your bank.
Read guide →
 ⚖️
Term Insurance
Term insurance vs LIC endowment — the honest comparison
Why agents push endowment plans — and what the math actually says.
Read guide →
 ❌
Claim Fighter
Cashless claim rejected — what to do right now
Step-by-step guide to fight a rejected claim — from grievance cell to IRDAI Ombudsman.
Read guide →
 🧮
Term Insurance
How much term insurance does your family actually need?
The exact formula — with real rupee examples for different income levels.
Read guide →
 🃏
Government Schemes
Ayushman Bharat — who is eligible and how to get your card
Rs.5 lakh free health cover per family. Check eligibility in 2 minutes at pmjay.gov.in.
Read guide →
 📋
Health Insurance
What is a TPA — and why it matters during an emergency
Save your TPA number before you ever need it. This guide tells you exactly how.
Read guide →
 📚
See all guides
More guides on insurance, government schemes, and financial safety
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