Plans overview

• Free — Assessment, Family Safety Score, govt scheme preview, Claim Fighter for govt schemes, Emergency SOS.
• Basic — Rs. 349 one-time — Everything free, plus the full 12-page Family Safety Report with rupee figures, action plan, Ask AI (10 questions/year).
• Guardian — Rs. 1,299/year — Everything Basic, plus Policy Vault (up to 3 policies), Claim Fighter for private insurance, Family Emergency Access, Emergency SOS with your real policy details, Ask AI (20 questions/day).
• Pro — Rs. 2,499/year — Everything Guardian, plus unlimited Policy Vault, unlimited Ask AI, WhatsApp human support, human claim document review, and priority grievance escalation.

How do I pay?

Payments are processed securely by Razorpay. When you tap to upgrade, a Razorpay payment page opens in your browser. Complete the payment and return to the app. Tap "I have paid" — InsureIQ verifies your payment and activates your plan immediately.

We accept UPI, debit cards, credit cards, and net banking.

My payment went through but the plan did not activate

This can happen if the app did not detect the payment. Try these steps:

• Close and reopen the app completely.
• Log out and log back in with your phone number.
• If the plan still shows as free, email us at hello@getinsureiq.in with your phone number and the Razorpay payment ID — we will activate manually within 4 hours.

Can I get a refund?

Refunds are not provided once a report has been generated or a plan has been activated. If you have a payment issue — such as a double charge or a charge without plan activation — contact hello@getinsureiq.in within 48 hours of purchase with your Razorpay payment ID.

How do I cancel my Guardian or Pro subscription?

Email hello@getinsureiq.in with your phone number and request cancellation. Your access continues until the end of your current billing period. We will not charge you again after cancellation.

How do I delete my account?

Email privacy@getinsureiq.in with your phone number and request deletion. We will delete all your data — including assessment answers, report, and policy documents — within 7 business days.

I switched phones — how do I restore my data?

InsureIQ uses your phone number as your account. Simply log in with the same phone number on your new device. Your assessment, score, report, and vault policies will restore automatically.

I did not receive my OTP

• Check that you have mobile signal or an active internet connection.
• OTPs can take up to 60 seconds to arrive. Wait before requesting again.
• Check if your number is registered on the DND (Do Not Disturb) list — promotional SMS may be blocked. OTP SMS uses transactional routes but some carriers may still block it.
• Try requesting the OTP again after 60 seconds.
• If the issue persists, email hello@getinsureiq.in with your phone number.

The app is slow or crashing

• Force close the app and reopen it.
• Ensure you have a stable internet connection — InsureIQ requires internet for login, report generation, and AI features.
• Check if an update is available on the App Store and install it.
• Restart your phone.
• If the issue continues, email hello@getinsureiq.in with your device model and iOS version.

My PDF upload failed or was not parsed correctly

• PDF must be under 10MB. Compress large files at ilovepdf.com before uploading.
• The file must be a text-based PDF, not a scanned image. Scanned documents may parse with low confidence.
• If parsing failed, you can still enter policy details manually using the manual entry option.
• Parsing typically takes 15–45 seconds. Do not close the app during this time.

My report did not generate

• Report generation requires a stable internet connection and takes 30–60 seconds.
• If it timed out, try generating again — tap the report section from your home screen.
• Ensure your assessment is complete before generating a report.
• If it fails repeatedly, email hello@getinsureiq.in.

Ask AI is not responding

• Check your internet connection.
• Free plan users do not have access to Ask AI — upgrade to Basic for 10 questions per year.
• Guardian users have a 20-question daily limit. The limit resets at midnight.
• Basic users have a 10-question annual limit.
• If Ask AI is still unresponsive with an active plan and connection, email hello@getinsureiq.in.

Emergency SOS is not showing my TPA details

Emergency SOS reads your TPA details from the Policy Vault. If you have not added a health policy to your vault, TPA details will not be available. To fix this:

• Go to Policy Vault and add your health insurance policy (Guardian plan required).
• Upload your policy PDF or enter details manually — ensure the insurer name is entered.
• Return to Emergency SOS — your TPA should now be detected automatically.

Minimum requirements

• iOS — iOS 13.0 or later. iPhone only. iPad is not currently supported.
• Internet — Active internet connection required for login, report generation, AI, and policy parsing. Emergency SOS cached data works offline after first load.
• Storage — At least 100MB free storage recommended.

Get in touch

Response times

Before you write to us

Most issues can be resolved quickly. Check these first:

• OTP not received — wait 60 seconds and try again.
• Plan not activated after payment — close and reopen the app, then log out and back in.
• PDF not parsing — ensure file is under 10MB and is a text-based PDF.
• Ask AI not responding — check your daily or annual question limit.
• Score seems low — the score reflects honest gaps. Read your full report for what to do next.

Report a bug

If you found a bug, we want to know. Email hello@getinsureiq.in with:

• Your phone model and iOS version.
• What you were doing when the bug occurred.
• What you expected to happen vs what actually happened.
• A screenshot if possible.