PolicygaidoDon't just buy
a plan. Buy one
that pays.
Most platforms disappear when you need them most. Gaido prepares you for claim day by ensuring clean declarations, avoiding coverage gaps, and prioritising the insurers that actually pay. Our job isn't to sell you a plan. It's to make sure it works when you need it.
Now, it's your time to protect them!
Discover the best health insurance...
...for your parents.
Compare Plans NowTry it now
Got a question? Get clarity.
Coverage doubts, claim queries, or finding the best plan for your family, get clear answers instantly.
Ask GaidoAI any questions about health insurance, coverage options, policy terms, or get personalized recommendations
Know what's missing before claim day
Upload your existing policy or pick your plan, our GaidoAI spots coverage gaps, hidden exclusions, and tells you exactly where you stand.
Room rent sub-limit check
The most common cause of proportionate deductions, flagged instantly.
Waiting period mapping
Know exactly when each condition becomes claimable. No guessing.
Hidden exclusion detection
Day-care limits, OPD caps, co-payments that only surface at claim time.
Sample Policy Gap Report
Room rent cap
₹3,000/day, triggers proportionate deductions
Cataract surgery
Waiting period: 2 years from policy start
Day-care procedures
541 procedures covered, no sub-limit
Restore benefit
Not present, exhausted sum insured is final
Potential out-of-pocket exposure found
₹1.8L
Why This Matters
This is happening to real people
r/personalfinanceindia · 1.2k upvotes
Bought health insurance for my parents through agent. Now realising I may have made a huge mistake with the declarations. Can I fix this?
u/ca_prakash_official · Top comment
Don't panic yet. Contact the insurer in writing, not the agent, the agent has no incentive to help you fix this. Document everything.
u/ananya_delhi
The agent told my family not to mention my father's diabetes. When we claimed, it was rejected immediately. Lost 4 years of premiums too.
Claims Rejection Rate (%)
Senior citizen claims face highest rejection rates with room rent limits the #1 cited reason
Plans marketed to seniors contain sub-limits rarely explained at point of sale. IRDAI has issued advisories but enforcement remains weak.
From IRDAI annual report 2023–24
₹8,200 Cr
in health claims rejected in a single year, not counting cases never escalated
Consumer survey, 2024
68%
of policyholders couldn't explain their own room rent sub-limit
Reddit r/personalfinanceindia
“I trusted the agent. He was my father's colleague. I never thought to read the policy document myself. Now I know better, but it cost me ₹1.6L to learn.”
u/lesson_learned_blr, 3.4k upvotes
This happens because advice is designed to sell, not protect.
Gaido was built to fix that, for your family, and for your parents.
Didn't get your full claim?
Most people accept a rejection or a reduced payout without questioning it. You don't have to.
Understand exactly what went wrong
Get a clear, jargon-free breakdown of why your claim was rejected or reduced.
Know your rights before you respond
We help you figure out if the rejection is valid, or if you have grounds to challenge it.
Fight back with the right paperwork
Get a ready-to-file appeal with the documents and references your insurer actually needs to see.
Claims reality in India
24%
of health claims are rejected or under-settled. Most are never challenged.
Upload your rejection or settlement letter
Get a plain-English breakdown of what happened
Receive a ready-to-file appeal + document checklist
Submit with confidence, track your outcome
Testimonials
Real people, real confidence
Join thousands who stopped guessing and started understanding their health insurance.
“Policy Gaido helped me get the policy details for my mother. She is a survivor and Policygaido helped me narrow down the policy that is most suitable to my needs. Their AI mode is excellent - it goes beyond the other typical chatbots with set answers. In the times of confusion and information explosion, Policygaido helps you precisely and effectively. Thank you team for helping me.”
Mandar Raut
5 reviews
“I used Policygaido portal to compare health insurance and purchase a policy online. This portal is very convenient and easy to use. Policygaido suggested multiple plans on the basis of my details, so I could compare multiple policies in one place. All policy terms, inclusions and exclusions were clearly mentioned with no hidden charges. Team Policygaido was responsive and helpful throughout the process.”
Gauri Mulye
7 reviews
“I live abroad, but my parents recently moved back to India. I used Policygaido's AI insurance advisor, and it helped me understand how Indian health insurance works and compare different policies for my parents' needs. It didn't feel rushed or sales-driven - I was able to take my time. I believe I was able to take an informed decision. Peace of mind!”
Punam Mahajan
2 reviews
“I had a fantastic experience with the Insurance company. They are very helpful and polite in explaining the terms and conditions of the policy, which allowed me to buy the insurance confidently.”
Deepa Reddy
3 reviews
“I was able to do the research on my own, without unnecessary anxiety. I got a policy for my parents. Best part was no irritating spam calls.”
Bindu K
7 reviews
“Finally, an insurance site that speaks human. No confusing jargon, just clear comparisons and a smooth checkout process. It saved me a lot of time and, more importantly, a lot of frustration.”
Hemanth Loku
4 reviews
“Got my queries resolved within minutes and support was available even late at night.”
Krishnakar Reddy Alla
3 reviews
Who's behind Gaido
Built by people who saw the problem from the inside
Not another startup guessing at insurance. We've spent years inside the industry, and left to fix what we saw.
Sudhakar Reddy
Co-founder · GTM & Product
Sudhakar brings deep expertise in insurance, product strategy, and healthcare technology from elite institutions. As Product Lead and Strategy Lead at Prudential plc, he spearheaded the investment proposal and business case for Prudential's India market entry. His career spans strategic consulting at Boston Consulting Group (BCG), where he shaped digital strategies for major insurance companies, conglomerates and public platforms. Sudhakar is a software engineer at heart and has experience in engineering at Bosch, where he developed active vehicle safety software. Sudhakar holds an MBA from IIM Calcutta, dual degrees from IIT Madras and completed CFA Level 1.
Chinmay Khasnis
Co-founder · Engineering & Product
Chinmay brings over a decade of proven expertise architecting transformative digital solutions at elite financial institutions. As Software Engineering Manager at Fidelity Investments, he spearheaded an AI-powered decision support system that empowered thousands of participants to navigate health insurance enrollment with confidence. His career spans leadership roles at State Street, where he engineered wealth management platforms for high-net-worth clients, and Putnam Investments, where he built mission-critical trading compliance systems. With technical mastery spanning full-stack architecture, AI agents, and enterprise-scale platforms, Chinmay holds a Master's in Computer Science from Lamar University and completed entrepreneurship studies at Harvard Business School.
