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Basic
Rs. 349
One-time · No renewal
- ✓ Full Family Safety Report
- ✓ Exact rupee gap figures
- ✓ 12-month action plan
- ✓ Government schemes guide
- ✓ Ask AI — 10 questions/year
- ✓ Claim Fighter — govt schemes
- ✗ Policy Vault
- ✗ Emergency SOS
- ✗ Claim Fighter — private
Get Basic Report →
★ Most Popular
Guardian
Rs. 1,299
Per year · Cancel anytime
- ✓ Everything in Basic
- ✓ Policy Vault — up to 3 policies
- ✓ AI policy parsing
- ✓ Gap Analysis — all policies
- ✓ Claim Fighter — private insurance
- ✓ Emergency SOS — real TPA details
- ✓ Family Emergency Access
- ✓ Ask AI — 20 questions/day
- ✓ Annual gap review
Start Guardian →
Pro
Rs. 2,499
Per year · Cancel anytime
- ✓ Everything in Guardian
- ✓ Unlimited Policy Vault
- ✓ Unlimited Ask AI
- ✓ WhatsApp human support
- ✓ Human claim document review
- ✓ Priority grievance escalation
- ✓ Dedicated advisor access
- ✓ Family financial health audit
- ✓ NRI parent monitoring
Start Pro →
🔒 Secure payment via Razorpay
🚫 No agent will call you
📵 No spam ever
↩️ No auto-renewal on Basic
⚖️ Not an IRDAI advisor
What's included in each plan
| Feature |
Basic |
Guardian |
Pro |
| Family Safety Score | ✓ | ✓ | ✓ |
| Full Family Safety Report | ✓ | ✓ | ✓ |
| Rupee gap figures | ✓ | ✓ | ✓ |
| Government schemes guide | ✓ | ✓ | ✓ |
| Claim Fighter — govt schemes | ✓ | ✓ | ✓ |
| Ask AI | 10/year | 20/day | Unlimited |
| Policy Vault | ✗ | 3 policies | Unlimited |
| AI policy parsing | ✗ | ✓ | ✓ |
| Gap Analysis — all policies | ✗ | ✓ | ✓ |
| Claim Fighter — private insurance | ✗ | ✓ | ✓ |
| Emergency SOS | ✗ | ✓ | ✓ |
| Family Emergency Access | ✗ | ✓ | ✓ |
| WhatsApp human support | ✗ | ✗ | ✓ |
| Human claim document review | ✗ | ✗ | ✓ |
| Priority grievance escalation | ✗ | ✗ | ✓ |
Common questions
How do I activate my plan after paying? +
After payment — open the InsureIQ app on your phone and tap "I have paid — Restore Access" on the paywall screen. The app checks your payment automatically and activates your plan within seconds. If you're on this page from your phone, tap the green banner above to go directly to the app.
Is this a subscription? Will I be charged automatically? +
Basic (Rs. 349) is a one-time payment — no renewal, ever. Guardian and Pro are annual plans. We will remind you before renewal and you can cancel anytime by emailing hello@getinsureiq.in. We never charge without your knowledge.
Is my payment secure? +
Yes. All payments are processed by Razorpay — one of India's most trusted payment gateways. InsureIQ never sees or stores your card details. UPI, debit card, credit card, and net banking are all accepted.
My payment went through but the plan didn't activate. What do I do? +
Close and reopen the InsureIQ app. Log out and log back in with the same phone number. Then tap "I have paid — Restore Access." If the plan still hasn't activated — email hello@getinsureiq.in with your phone number and Razorpay payment ID. We activate manually within 4 hours.
Can I get a refund? +
Refunds are not provided once a report has been generated or a plan activated. If you were charged without receiving access — contact hello@getinsureiq.in within 48 hours with your Razorpay payment ID.
Is InsureIQ an insurance company or IRDAI registered advisor? +
No. InsureIQ is an educational and diagnostic tool. We are not an IRDAI registered advisor, insurance broker, or insurance company. We earn no commission from any insurer. Everything InsureIQ tells you is based only on your data — not on what we earn from selling you anything.