AI-powered insurance analysis

Know what you're
covered for.

Upload any insurance policy PDF — health, life, motor, travel — and get a plain-language summary of your coverage, flagged exclusions, and risk gaps in seconds. No jargon. No surprises at claim time.

Analyze my policy — it’s free See how it works

Free for your first 2 policies. No credit card required.

The Problem

Your policy is a contract. You signed it. Have you read it?

~70%

of policyholders have never read their policy in full

₹15,000 Cr

in insurance claims denied annually in India

Claim time

is when most people discover their exclusions. Too late.

What a flagged exclusion looks like

Clause 7.2(b) — Policy Language

“The Company shall not be liable for any claim arising directly or indirectly from any pre-existing condition as defined herein, or any complication thereof, during the first 48 months of continuous coverage.”

Lucid explanation

Any health condition you had before buying this policy — including anything diagnosed in the past — is not covered for the first 4 years. This includes complications related to those conditions.

⚠

Risk flag: If you have diabetes, hypertension, or any prior diagnosis, you may not be covered for related claims in the next 4 years.

How Lucid works

From opaque contract to clear knowledge
in under 60 seconds.

01

Upload your policy PDF

Upload any insurance policy document — health, life, motor, or travel. We accept PDFs from any Indian insurer.

02

AI reads the fine print

Our domain-trained AI engine parses every clause, identifies coverage terms, exclusions, waiting periods, and conditions.

03

You get plain-language clarity

Receive a structured summary: what's covered, what's excluded, what to watch out for, and where your gaps are — before you need to claim.

What Lucid does

Everything you need to actually understand what you own.

📄

Plain-language policy summary

Every coverage term, exclusion, and condition translated into language you actually understand. No dictionary required.

🔍

Exclusion and gap detection

Automatically flagged clauses that commonly cause claim denials — waiting periods, sub-limits, disease-specific exclusions, and more.

⚖

Side-by-side policy comparison

Upload multiple policies and compare key terms directly. Understand what you're doubling up on and what's still missing.

🔔

Renewal and review alerts

Annual reminders to re-review your policies as your life changes. Coverage that fit you at 28 may not fit you at 38.

🛡

Claim preparation guidance

When you need to file, know exactly what documents to gather, which clause applies, and what the insurer is likely to scrutinize.

📡

API for platforms

Embed Lucid's parsing engine in your aggregator, broker, or HR benefits platform via a clean REST API.

Pricing

Start free. Stay informed.

Free

₹0

forever

Try Lucid with no commitment.

✓2 policy analyses
✓Plain-language summaries
✓Exclusion flagging
✓Download PDF report

Start for free

Embed policy clarity
directly in your platform.

Lucid's REST API gives insurtechs, aggregators, and HR benefits platforms access to our domain-trained parsing engine — so you can deliver plain-language policy summaries at purchase and renewal without building the AI stack yourself.

✓Structured JSON output for any policy PDF

✓Plain-language clause explanations

✓Exclusion + risk taxonomy

✓IRDAI-compliant document support

Request API access

lucid-api-example.json

{
  "policy_type": "health",
  "insurer": "Star Health",
  "sum_insured": "₹5,00,000",
  "coverage": {
    "hospitalization": "covered",
    "day_care": "covered",
    "maternity": "excluded"
  },
  "flags": [
    {
      "clause": "7.2(b)",
      "type": "pre_existing_exclusion",
      "waiting_period": "48 months",
      "risk_level": "high"
    }
  ],
  "plain_summary": "Your policy covers hospital
  stays and day care procedures. Maternity
  costs are not covered. Any condition you
  had before buying is excluded for 4 years."
}

Your policy is already written.
Now understand it.

Upload your first policy document free — no account required to start. Get a plain-language breakdown in under a minute.

Analyze my policy — it’s free

Free for 2 policies. No credit card.

Know what you'recovered for.