India's AI first health insurance platform
AI-powered assistant to help you understand your health insurance — from coverage, inclusions and exclusions to cashless hospitals and claims support.
Compare plans from leading insurers
Your data stays private · Transparent recommendations
Tell us what you need. We'll help you make sense of it.
Answer a few simple questions and SmartAdvisor turns your requirements into understandable insurance options.
Based on two adults (36, 34), a 4-year-old and a ₹20,000 budget, three plans qualify at ₹5L cover. Here's how they differ where it matters for a young child:
From questions to clarity in 3 steps
Tell us about yourself
Share your family, coverage needs, budget and other relevant requirements.
We analyze the options
SmartAdvisor evaluates relevant plans based on coverage, policy features, exclusions, waiting periods and other important factors.
Understand your options
See why a plan may suit your needs — and understand where it may not.
See why a plan matches your needs
Don't just see a recommendation. Understand the reasoning behind it.
SmartAdvisor recommendationSample UIWe don't just compare premiums
The cheapest policy isn't always the right policy. Understand the details that matter when you actually need your insurance.
Coverage
How much protection does the policy provide?
Waiting Periods
When does different coverage become available?
Exclusions
What isn't covered?
Room Rent & Limits
Are there restrictions that could affect your claim?
Claim Experience
Understand relevant insurer and claim information where reliable data is available.
Network
Where can you use cashless facilities?
Built to help you make an informed decision
Transparent recommendations
Understand why a plan is recommended instead of simply seeing a ranking.
Clear explanations
Insurance terms, exclusions, waiting periods and limits explained in plain language.
Compare what matters
Look beyond the premium and understand important policy differences.
Your choice stays yours
SmartAdvisor helps you understand your options. The final decision remains with you.
How SmartTech AI Insurance Advisor evaluates insurance
Recommendations are based on your requirements and available policy information — not simply the lowest premium.
We start with what matters to you — your family, coverage needs, budget and priorities.
Insurance for every stage of life
Choose the right cover with clear guidance, so you and your loved ones stay protected.
Insurance information you can understand
Every brand shown above has policy documents in the corpus.
Policy wordings, brochures and hospital-network lists.
Clause by clause, not brochure summaries.
Documents are re-checked as insurers update them.
Know what you're buying
Insurance doesn't have to be complicated. Learn the terms and details that matter before you choose a policy.
Frequently asked questions
No. SmartAdvisor is an advisory platform. Policies are issued by the insurer you choose, under that insurer's terms.
It matches your stated requirements — who is covered, coverage preference, budget — against the policy information we hold for each plan: coverage, policy features, exclusions, waiting periods and limits.
Yes. Plans from the insurers shown above are included, based on the policy documents available for each brand.
There is no charge to ask questions or see options. Any premium you pay goes to the insurer for the policy you choose.
You can get to a priced option and then complete the purchase with the insurer. A licensed advisor can take over the conversation on WhatsApp if you'd like help.
Your requirements are used to generate your options. See the privacy policy for what is stored and how it is handled.
No. Recommendations are guidance. Final policy issuance, underwriting, eligibility, exclusions and claims depend on the relevant insurer and policy terms.
24 insurers, all in one conversation.
Every brand below has its policy documents in the corpus, so questions about their cover are answered from the source — not from a summary.
Logos are the property of their respective owners. Insurance AI is an advisory platform and is not affiliated with the insurers listed.
I asked about maternity waiting periods and got the actual clause, not a summary. That decided it.
Kochi
Two adults, one child, a budget. Three plans priced in under two minutes, with the differences spelled out.
Bengaluru
The handover to WhatsApp meant I never had to explain my case twice.
Chennai
Don't guess your insurance. Understand it.
Start a conversation with SmartAdvisor and get help understanding your insurance options.
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